Zero-interest second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Atlanta Beltline Mortgage Assistance Program
Invest Atlanta (with Atlanta Beltline, Inc.)
Up to $20,000 — or up to $30,000 for public-sector employees and long-term residents — as a 0% soft second mortgage with a 15-year affordability period, for homes in Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10.
Assistance
Advertises up to $20,000; up to $30,000
- Up to $20,000
- Up to $30,000 — public-sector employees (and long-term residents)
0% soft second mortgage with a 15-year affordability period.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: July 22, 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 status not requiredNot required, but the buyer cannot own an interest in any property when closing.
See exact policy language
“No, however you cannot own interest in any property when closing with Invest Atlanta incentives.”
Homebuyer Incentives FAQs — Invest Atlanta · Do I have to be a first-time homebuyer to participate?Open 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 residenceOwner-occupied; cannot own an interest in any other property.
See exact policy language
“Participants cannot own interest in any other property.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Program RequirementsOpen 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 borrower contribution $1,500
See exact policy language
“Participants must contribute $1,500 of their own funds (items purchased outside of closing count toward this requirement).”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Program RequirementsOpen 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: 8-hour homebuyer education with a participating educator plus a 90-minute Invest Atlanta Q&A.
See exact policy language
“Completion of a HUD-approved, 8-hour homebuyer education course through an Invest Atlanta participating provider, plus an Invest Atlanta Q&A session”
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program — Invest Atlanta · Key eligibility highlightsOpen 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 620
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“Minimum FICO Credit Score is 620 and Debt to Income Ratio is per Automated Underwriting Approval.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > RequirementsOpen 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 CLTV 105%
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“NO Maximum Purchase Price; Max CLTV is 105%.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > Eligible PropertiesOpen 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: Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10, only within Atlanta
- Income limits: on file for City of Atlanta (140% of area median income) · official limits
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- Property types: Single Family, Townhouse, Condo, Duplex, Triplex, Fourplex
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 $20,000
See exact policy language
“Beltline Mortgage Assistance Program" provides the homebuyer with mortgage assistance funds of up to $30,000 (civil servants and legacy residents) or up to $20,000 (other qualified buyers)”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > StructureOpen 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. - Assistance — Up to $30,000 — public-sector employees (and long-term residents)
See exact policy language
“Eligible long-term residents and public sector employees may receive up to $30,000 in assistance.”
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program — Invest Atlanta · Press releaseOpen 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 terms
See exact policy language
“Funds are provided in the form of a 0% soft second mortgage, with a 15-year affordability period.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > StructureOpen 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. - First-time homebuyer
See exact policy language
“No, however you cannot own interest in any property when closing with Invest Atlanta incentives.”
Homebuyer Incentives FAQs — Invest Atlanta · Do I have to be a first-time homebuyer to participate?Open 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
“Participants cannot own interest in any other property.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Program RequirementsOpen 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 borrower contribution
See exact policy language
“Participants must contribute $1,500 of their own funds (items purchased outside of closing count toward this requirement).”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Program RequirementsOpen 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
“Completion of a HUD-approved, 8-hour homebuyer education course through an Invest Atlanta participating provider, plus an Invest Atlanta Q&A session”
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program — Invest Atlanta · Key eligibility highlightsOpen 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
“Minimum FICO Credit Score is 620 and Debt to Income Ratio is per Automated Underwriting Approval.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > RequirementsOpen 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 CLTV
See exact policy language
“NO Maximum Purchase Price; Max CLTV is 105%.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > Eligible PropertiesOpen 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
See exact policy language
“Homes must be purchased within the Beltline Tax Allocation District (TAD) subareas 1, 2, 3, 8, 9, and 10.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > RequirementsOpen 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
See exact policy language
“Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta.”
Homebuyer Incentives FAQs — Invest Atlanta · Where can I buy my home if I use these programs?Open 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
See exact policy language
“Maximum household income of 140% AMI (120% AMI for land trust transactions)”
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program — Invest Atlanta · Key eligibility highlightsOpen 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
See exact policy language
“4 (140% AMI) $164,920”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Beltline Mortgage Assistance Program > Income LimitsOpen 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
See exact policy language
“Eligible buyers can purchase single-family homes, townhomes, condos, or 2-4-unit properties using FHA, VA, or conventional 30-year fixed-rate loans.”
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program — Invest Atlanta · Press releaseOpen 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
See exact policy language
“You must select a lender from the current Participating Lender list to use Invest Atlanta incentives.”
Homebuyer Incentives FAQs — Invest Atlanta · Lender listOpen 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
- Long-term (legacy) residents may also receive up to $30,000; HomeStack does not ask about residency history.
- Maximum household income 140% of AMI (120% for land trust transactions); maximum loan $400,000; no maximum purchase price.
- Launched July 22, 2026.
Official contacts
Invest Atlanta homebuyer programs: Website
Participating lenders: official list. Housing counselors: HUD counselor search.
Official source
Homebuyer Programs & Downpayment Assistance · Invest Atlanta · Last verified: September 29, 2026
Quote found word-for-word · checked September 29, 2026
Invest Atlanta and Atlanta Beltline, Inc. Launch Mortgage Assistance Program · Invest Atlanta · 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.