Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Clayton County Down Payment Assistance
Clayton County
$7,500 standard, or $10,000 for veterans and spouses, county employees, law enforcement, first responders, and healthcare and education workers, as an interest-free soft second.
Assistance
Advertises up to $7,500; up to $10,000
- Standard — up to $7,500
- Veterans and spouses — up to $10,000
- County employees, law enforcement, first responders, healthcare and education — up to $10,000
Interest-free soft second loan; the buyer must occupy the home for 5 or 10 years depending on the amount received, after which it is fully forgiven.
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 requiredFirst-time homebuyer, or has not owned a home within the last 3 years.
See exact policy language
“First time home buyer or has not owned a home within the last 3 years”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Homebuyer education: HUD-approved 8-hour homebuyer education class.
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“Attend a HUD APPROVED 8 Hour Home Buyer Education Class”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Minimum borrower contribution $1,000Can consist of earnest money, inspection, or appraisal.
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“$1,000 contribution from the buyer (can consist of earnest money, inspection, or appraisal)”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Must be your primary residence
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“Interest free, soft second loan • Buyer must occupy home for 5 or 10 years depending on the amount of funds received, after 5- or 10-years our loan amount is fully forgiven”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Location: Clayton
- Income limits: on file for Clayton County (80% of area median income) · official limits
- Purchase-price limits: $270,000–$270,000 depending on area/construction
- Property types: Condos and mobile homes are not eligible.
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 — Standard — up to $7,500
See exact policy language
“Eligible buyers can receive up to $7,500 in assistance”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Assistance — Veterans and spouses — up to $10,000
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“Eligible Veterans/Spouses can receive up to $10,000 in assistance”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Assistance — County employees, law enforcement, first responders, healthcare and education — up to $10,000
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“Eligible Clayton County Employees can receive up to $10,000 in assistance • All eligible Georgia Law Enforcement, First Responders, Healthcare workers and in Education can receive up to $10,000 in assistance”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Repayment terms
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“Interest free, soft second loan • Buyer must occupy home for 5 or 10 years depending on the amount of funds received, after 5- or 10-years our loan amount is fully forgiven”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - First-time homebuyer
See exact policy language
“First time home buyer or has not owned a home within the last 3 years”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Homebuyer education
See exact policy language
“Attend a HUD APPROVED 8 Hour Home Buyer Education Class”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Minimum borrower contribution
See exact policy language
“$1,000 contribution from the buyer (can consist of earnest money, inspection, or appraisal)”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Owner occupancy
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“Interest free, soft second loan • Buyer must occupy home for 5 or 10 years depending on the amount of funds received, after 5- or 10-years our loan amount is fully forgiven”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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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“Select an existing or new construction single-family home within Clayton County, GA”
Clayton County Down Payment Assistance Program — Clayton County · How to Get StartedOpen 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. - Income limits
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“Must meet HUD Income Limits of 80% the area median income or lower”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Purchase price limits
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“Max Purchase price of $270,000”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Property rules
See exact policy language
“Condos or mobile homes are not eligible”
Clayton County Down Payment Assistance Program — Clayton County · How to QualifyOpen 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. - Property rules
See exact policy language
“Select an existing or new construction single-family home within Clayton County, GA”
Clayton County Down Payment Assistance Program — Clayton County · How to Get StartedOpen 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 — Clayton County HUD
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“Office: (770) 473-5914 TTY: 771 Fax: (770) 210-5215 Email: HUD@claytoncountyga.gov”
Clayton County Down Payment Assistance Program — Clayton County · For more informationOpen 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.
Important notes
- Buyers pre-qualify and work with a HUD-certified lender, and must meet the approved lender's minimum credit score.
- No money will be received by the buyer at closing.
- Income limit is 80% of area median income; AMI figures are not yet loaded.
- "County employees" is modeled with the public-employee profession category; confirm eligibility with the county.
Official contacts
Clayton County DPA: Website
Clayton County HUD: (770) 473-5914
Clayton County HUD: HUD@claytoncountyga.gov
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Clayton County Down Payment Assistance Program · Clayton County · Last verified: September 27, 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.