Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Augusta Homeownership Assistance Program
Augusta Housing & Community Development
Up to $10,000 as a deferred, forgivable loan (forgiven after 5 years of ownership and residence) for first-time buyers at or below 80% of AMI in Augusta-Richmond County, outside the city of Blythe.
Assistance
Advertises up to $10,000
- Up to $10,000
Deferred-payment loan forgiven after the fifth anniversary of the purchase if the buyer still owns and lives in the home; not assumable, due on sale or transfer before then.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: Not published
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- First-time homebuyer required
See exact policy language
“The purpose of the Homeownership Assistance Program is to assist first-time home buyers in purchasing a home within Augusta-Richmond County.”
Home Ownership — Augusta Housing & Community Development · Purpose of the ProgramOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education: Department-approved homebuyer education before purchase.
See exact policy language
“The applicant must have successfully completed a department-approved home buyer education program prior to purchasing a house with assistance from the program.”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Eligible Applicants · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Minimum borrower contribution $1,000$1,000 at 50% and 80% of AMI; $750 at 30% of AMI.
See exact policy language
“80% $ 1,000.00”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Income Limits Contribution Amount · page 8Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Location: Richmond, excludes Blythe
- Income limits: on file for City of Augusta, Richmond (80% of area median income) · official limits
- Purchase-price limits: $209,000–$253,000 depending on area/construction
- Property types: Unknown — verify with the applicable lender or program administrator.
Every rule, in the program’s own words
Each rule HomeStack applies to this program, with the exact passage from the official document and a link that opens the document at that passage. HomeStack re-checks every quote against the live document.
- Assistance — Up to $10,000
See exact policy language
“The total maximum amount of assistance available to any one applicant is $10,000.00.”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Types of Financial Assistance · page 5Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Repayment terms
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“The full amount of the deferred payment loan is forgiven after the fifth anniversary of the purchase if the applicant continues to own and reside in the home”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Repayment · page 6Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - First-time homebuyer
See exact policy language
“The purpose of the Homeownership Assistance Program is to assist first-time home buyers in purchasing a home within Augusta-Richmond County.”
Home Ownership — Augusta Housing & Community Development · Purpose of the ProgramOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education
See exact policy language
“The applicant must have successfully completed a department-approved home buyer education program prior to purchasing a house with assistance from the program.”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Eligible Applicants · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Minimum borrower contribution
See exact policy language
“80% $ 1,000.00”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Income Limits Contribution Amount · page 8Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Eligible location
See exact policy language
“assist first-time home buyers in purchasing a home within Augusta-Richmond County”
Augusta Homeownership Assistance — Augusta, Georgia · Purpose of the ProgramOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Eligible location
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“located within Augusta-Richmond County (excluding the city of Blythe)”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Eligible Properties · page 4Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Income limits
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“The total annual income cannot exceed eighty percent (80%) of the area median income depending on family size.”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Eligible Applicants · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Income limits
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“4 $ 26,500 $ 44,150 $ 70,650”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Household Income Limits 2025 table · page 4Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Purchase price limits
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“1 Unit $ 209,000 $ 253,000”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Maximum Purchase Price · page 5Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026 - Participating lender
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“Applicant schedules an appointment with one of the participating local lending institutions”
Augusta Homeownership Assistance — Augusta, Georgia · Application ProcedureOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Contact — Augusta Housing & Community Development
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“(706) 821-1797”
Downpayment Assistance Program Manual (Revised 6/2025) — Augusta Housing & Community Development · Contact Information · page 12Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026
Important notes
- Income limits vary by household size (4-person 80% AMI limit shown in the program manual: $70,650); only the 4-person row is loaded.
Official contacts
Augusta Home Ownership: Website
Augusta Housing & Community Development: (706) 821-1797
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Augusta Homeownership Assistance · Augusta, Georgia · Last verified: September 27, 2026
Quote found word-for-word · checked September 29, 2026
Downpayment Assistance Program Manual (Revised 6/2025) · Augusta Housing & Community Development · Last verified: September 29, 2026
Quote found word-for-word · checked September 29, 2026
HomeStack provides research and estimates based on available program criteria. It does not provide mortgage approval, underwriting, financial advice, or a guarantee of eligibility, funding, or loan terms. Final eligibility must be confirmed by the applicable lender or program administrator.