Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Fulton County Homeownership Program (HOP)
Fulton County Department of Community Development
Up to $25,000, based on need, as a 0% deferred loan forgiven 20% per year over five years of compliant owner occupancy.
Assistance
Advertises up to $25,000
- Up to $25,000 (based on need)
Deferred, no-monthly-payment 0% loan; 20% forgiven annually over a five-year affordability period.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: June 1, 2026
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 no home ownership in the past three years.
See exact policy language
“You are a qualified first-time homebuyer (or have not owned a home in the past”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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 housing counseling before purchase.
See exact policy language
“All applicant buyers must participate in HUD-approved housing counseling before”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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
See exact policy language
“No form of re-payment is required if the home remains the primary residence of … during the five (5) year affordability period.”
Fulton County Homeownership Program (HOP) — Fulton County Government · Homeownership Program (HOP)Open 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: Fulton
- Income limits: on file for Fulton · official limits
- Purchase-price limits: $347,000–$371,000 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 $25,000 (based on need)
See exact policy language
“This second mortgage loan may be used to cover down payment, closing costs, and/or interest rate buy-down costs needed to support the financing of the required first mortgage—up to $25,000, based on need.”
Fulton County Homeownership Program (HOP) — Fulton County Government · Homeownership Program (HOP)Open 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
See exact policy language
“20% of the loan is forgiven annually provided the homebuyer remains compliant with HOP guidelines.”
Fulton County Homeownership Program (HOP) — Fulton County Government · Homeownership Program (HOP)Open 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
“You are a qualified first-time homebuyer (or have not owned a home in the past”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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
“All applicant buyers must participate in HUD-approved housing counseling before”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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
See exact policy language
“No form of re-payment is required if the home remains the primary residence of … during the five (5) year affordability period.”
Fulton County Homeownership Program (HOP) — Fulton County Government · Homeownership Program (HOP)Open 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
See exact policy language
“This second mortgage loan may be used to cover down payment, closing costs, and/or interest rate buy-down costs needed to support the financing of the required first mortgage—up to $25,000, based on need.”
Fulton County Homeownership Program (HOP) — Fulton County Government · Homeownership Program (HOP)Open 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
See exact policy language
“2026 Adjusted Home Income Limits (effective June 1, 2026) Household Size Income Limits 1 person $66,000 2 persons $75,400 3 persons $84,850 4 persons $94,250 5 persons $101,800 6 persons $109,350 7 persons $116,900 8 persons $124,450”
Fulton County Homeownership Program (HOP) — Fulton County Government · Income limits chartOpen 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
See exact policy language
“Home purchase price does not exceed $347,000 for existing and $371,000 for new”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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. - Participating lender
See exact policy language
“You are approved for a first mortgage with a HOP Participating Lender.”
Fulton County Homeownership Program (HOP) — Fulton County Government · You May Qualify if...Open 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 — Fulton County Community Development
See exact policy language
“Community Development 404-285-8609”
Fulton County Homeownership Program (HOP) — Fulton County Government · ContactOpen 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 — Fulton County HOP
See exact policy language
“DownPayment.Assistance@fultoncountyga.gov”
Fulton County Homeownership Program (HOP) — Fulton County Government · ContactOpen 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
- Assistance may also be used toward interest-rate buy-down costs needed to support the first mortgage.
- Any exclusion of cities within Fulton County was not verified; confirm the address with the county.
Official contacts
Fulton County HOP: Website
Fulton County Community Development: 404-285-8609
Fulton County HOP: DownPayment.Assistance@fultoncountyga.gov
Participating lenders: official list. Housing counselors: HUD counselor search.
Official source
Fulton County Homeownership Program (HOP) · Fulton County Government · 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.