Deferred second mortgageConflicting information — verify with the program administratorFunding unverified
Gwinnett County Homestretch
Gwinnett County
Up to $10,000 as a five-year, 0% deferred payment loan for income-eligible buyers purchasing in Gwinnett County.
Assistance
Advertises up to $10,000
- Up to $10,000
Five-year deferred payment loan with 0% interest; not repaid if the home remains the principal residence for at least five years.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: December 1, 2025
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- Minimum credit score 581 (at least one borrower)At least one credit score above 580.
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“Have at least one credit score above 580”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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 requiredFirst-time buyer, or no home ownership for three years or more.
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“Be a first-time homebuyer (or have not owned a home for three years or more)”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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: Pre-purchase mortgage counseling class.
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“Complete a Pre-Purchase Mortgage Counseling Class”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Application ProcessOpen 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. - Maximum DTI 55%Front-end ratio limited to 43%.
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“Have a front-end debt-to-income ratio of 43 percent or below and back-end debt-to-income ration of 55 percent or below”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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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“The loan does not need to be repaid as long as the funded homebuyer occupies their home as their principal residence for a period of at least five years.”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · About 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. - Location: Gwinnett
- Income limits: on file for Gwinnett County (80% of area median income) · official limits
- Purchase-price limits: $371,000–$425,000 depending on area/construction
- Property types: Single-family detached or townhome.
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
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“We offer down payment assistance up to $10,000 as a five-year deferred payment loan with 0% interest.”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · About 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. - Repayment terms
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“The loan does not need to be repaid as long as the funded homebuyer occupies their home as their principal residence for a period of at least five years.”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · About 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. - Minimum credit score
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“Have at least one credit score above 580”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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
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“Be a first-time homebuyer (or have not owned a home for three years or more)”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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
“Complete a Pre-Purchase Mortgage Counseling Class”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Application ProcessOpen 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. - Maximum debt-to-income ratio
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“Have a front-end debt-to-income ratio of 43 percent or below and back-end debt-to-income ration of 55 percent or below”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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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“The loan does not need to be repaid as long as the funded homebuyer occupies their home as their principal residence for a period of at least five years.”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · About 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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“Be either a single-family detached home or townhome Be located within Gwinnett County”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Property eligibilityOpen 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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“Earn below 80 percent of Area Median Income”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Eligibility RequirementsOpen 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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“May not cost more than $371,000 for an existing home or $425,000 for new construction. [Effective December 1, 2025]”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Property eligibilityOpen 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
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“Be either a single-family detached home or townhome Be located within Gwinnett County”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · Property eligibilityOpen 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 — Gwinnett Homestretch
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“Homestretch@GwinnettCounty.com 678.518.6008”
Gwinnett County Homestretch Down Payment Assistance — Gwinnett County · 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
- Income must be below 80% of area median income; AMI figures are not yet loaded.
Official contacts
Gwinnett Homestretch: Website
Gwinnett Homestretch: 678.518.6008
Gwinnett Homestretch: Homestretch@GwinnettCounty.com
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Gwinnett County Homestretch Down Payment Assistance · Gwinnett 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.