Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Vine City Renaissance Initiative (Invest Atlanta)
Invest Atlanta
$20,000 toward down payment and/or closing costs for homes in Vine City (Hollowell Pkwy, Northside Dr, MLK Jr. Dr and Joseph E. Lowery Blvd), forgiven after 5 years in the home.
Assistance
Advertises up to $20,000
- $20,000
Fully forgiven after living in the home for 5 years.
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 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
“The 90 minute Q&A session is mandatory, and you’ll get a better understanding and an opportunity to ask questions.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · The Invest Atlanta Homebuyer ProcessOpen 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: Vine City (Hollowell Pkwy north, Northside Dr east, MLK Jr. Dr south, Joseph E. Lowery Blvd west), only within Atlanta
- Income limits: on file for City of Atlanta · official limits
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- 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 — $20,000
See exact policy language
“Homebuyers that meet income qualifications and plan to stay 5+ years in their new Vine City home can get $20,000 towards down payment & closing costs.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · Vine City Renaissance Initiative (VCRI)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. - Repayment terms
See exact policy language
“Homebuyers receive $20,000 toward the down payment and/or closing costs that is fully forgiven after living in the home for 5 years.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · VCRI > 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
“The 90 minute Q&A session is mandatory, and you’ll get a better understanding and an opportunity to ask questions.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · The Invest Atlanta Homebuyer ProcessOpen 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
“Property must be located within incentive boundaries: Donald L. Hollowell Pkwy to the north; Northside Dr to the east, Martin Luther King Jr. Dr. to the south; Joseph E. Lowery to the west.”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · VCRI > 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. - Income limits
See exact policy language
“4 persons $164,920”
Homebuyer Programs & Downpayment Assistance — Invest Atlanta · VCRI > 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. - 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
- No maximum purchase price.
- May be used with a home renovation mortgage loan.
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
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.