GrantPotentially available — confirm funding and eligibilityFunding unverified
Cobb County My Home Down Payment Assistance
Housing Authority of Cobb County
A 30-year fixed-rate first mortgage from a participating lender with a non-repayable grant of 0%, 1% or 2% of the first mortgage amount for down payment and closing costs, for homes in Cobb County. No first-time buyer requirement.
Assistance
Advertises up to 2% of the loan amount
- Grant of 0%, 1% or 2% of the first mortgage amount (up to 2%)
Non-repayable grant.
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 status not required
See exact policy language
“There is no first-time homebuyer requirement in this program.”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligibility CriteriaOpen 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. - Must be your primary residenceOccupy the home within 60 days of closing.
See exact policy language
“The home must be your principal residence (this cannot be an investment property).”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligibility CriteriaOpen 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. - Minimum credit score 660 (FHA, VA first mortgages)
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“FHA and VA borrowers must have a 660 minimum FICO.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Minimum credit score 640 (Conventional first mortgages)Freddie Mac HFA Advantage conventional.
See exact policy language
“Freddie Mac borrower must have a 640 minimum FICO.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Maximum DTI 45% for credit scores 640–679
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“The maximum debt to income ratio for borrowers with a 640-679 FICO is 45%.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Maximum DTI 50% for credit scores 680–850
See exact policy language
“The maximum debt to income ratio for borrowers with a 680+ FICO is 50%.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Permitted first mortgages: FHA, VA, ConventionalThe conventional option is Freddie Mac HFA Advantage, which HomeStack does not model yet; ask a participating lender about it.
See exact policy language
“Eligible loan products include FHA, VA and Freddie Mac HFA Advantage conventional.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · First MortgageOpen 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. - No homebuyer education requirement
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“Homebuyer education is not required for FHA and VA loans, but is highly recommended.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Homebuyer EducationOpen 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. - Location: Cobb
- Income limits: on file for Cobb · official limits
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- Property types: New or existing 1–4 units, detached or attached, condos, townhomes. Freddie Mac loans: one unit only.
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 — Grant of 0%, 1% or 2% of the first mortgage amount (up to 2%)
See exact policy language
“The Grant may be in an amount of 0%, 1% or 2% of the first mortgage Note amount.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Down Payment AssistanceOpen 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. - Repayment termsCited to the whole document (no passage recorded): Cobb County My Home DPA Program — program requirements · GA Buyer DPA (program information site) · Last verified: September 29, 2026
- First-time homebuyer
See exact policy language
“There is no first-time homebuyer requirement in this program.”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligibility CriteriaOpen 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. - Owner occupancy
See exact policy language
“The home must be your principal residence (this cannot be an investment property).”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligibility CriteriaOpen 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. - Minimum credit score
See exact policy language
“FHA and VA borrowers must have a 660 minimum FICO.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Minimum credit score
See exact policy language
“Freddie Mac borrower must have a 640 minimum FICO.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Maximum debt-to-income ratio
See exact policy language
“The maximum debt to income ratio for borrowers with a 640-679 FICO is 45%.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Maximum debt-to-income ratio
See exact policy language
“The maximum debt to income ratio for borrowers with a 680+ FICO is 50%.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Minimum Credit Score and Maximum Debt to Income RatioOpen 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. - Eligible first mortgages
See exact policy language
“Eligible loan products include FHA, VA and Freddie Mac HFA Advantage conventional.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · First MortgageOpen 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
“Homebuyer education is not required for FHA and VA loans, but is highly recommended.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Homebuyer EducationOpen 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. - Eligible location
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“Through this program, eligible homebuyers may receive tax-free down payment assistance when purchasing a single-family residence in Cobb County.”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Down Payment Assistance Mortgage 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. - Income limits
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“Income for buyers may not exceed $159,880.”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Maximum Income LimitOpen 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. - Property rules
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“New or existing residential, one-four units*, detached or attached, condos, townhomes.”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligible PropertyOpen 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. - Participating lender
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“You must be qualified for a mortgage with an approved Cobb County My Home DPA Program Lender.”
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) — Cobb County Board of Commissioners · Eligibility CriteriaOpen 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. - Contact — GA Buyer DPA
See exact policy language
“Services@GeorgiaBuyerDPA.com”
Cobb County My Home DPA Program — program requirements — GA Buyer DPA (program information site) · Page footerOpen 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.
Important notes
- Income limit with a Freddie Mac HFA Advantage loan is $90,800 (the $159,880 limit applies otherwise).
- Maximum loan amount: $688,850 for FHA; $806,500 for VA and Freddie Mac HFA Advantage.
- Full-time Cobb County Government and City of Marietta employees may receive an additional grant; HomeStack does not evaluate employer eligibility.
Official contacts
Housing Authority of Cobb County — program page: Website
Program requirements and participating lenders: https://georgiabuyerdpa.com/cobb
GA Buyer DPA: Services@GeorgiaBuyerDPA.com
Participating lenders: official list. Housing counselors: HUD counselor search.
Official source
Down Payment Assistance Mortgage Program (Housing Authority of Cobb County) · Cobb County Board of Commissioners · Last verified: September 29, 2026
Quote found word-for-word · checked September 29, 2026
Cobb County My Home DPA Program — program requirements · GA Buyer DPA (program information site) · 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.