Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Macon-Bibb County Affordable Housing Fund Down Payment Assistance
Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.)
Typically $5,000 to $25,000 as a 0% interest, non-amortizing 5-year forgivable second (20% forgiven each year) for buyers at or below 120% of AMI; buyers must also apply for Georgia Dream if they qualify.
Assistance
Advertises up to $25,000
- Typically $5,000–$25,000
0% interest, non-amortizing 5-year subordinate forgivable loan; 20% forgiven each year; the unforgiven portion is due on relocation, sale, refinance or default.
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.
- Minimum credit score 620
See exact policy language
“Have 620+ credit score”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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 $1,000
See exact policy language
“Contribute at least $1,000”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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: Funder-approved homebuyer class.
See exact policy language
“Complete funder approved homebuyer class”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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 residence
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“Will own and occupy home as primary residence”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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: Bibb
- Income limits: on file for Bibb County (120% of area median income)
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- Property types: Eligible properties are listed on the program page (affordability-restricted units with a 20-year deed restriction).
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 — Typically $5,000–$25,000
See exact policy language
“MBCAHF DPA typically ranges between $5,000 and $25,000.”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · TERMSOpen 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
“MBCAHF DPA is a 5-year non-amortizing subordinate loan at 0% interest, forgiven over 5 years.”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · TERMSOpen 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
“Have 620+ credit score”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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
“Contribute at least $1,000”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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
“Complete funder approved homebuyer class”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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
“Will own and occupy home as primary residence”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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
“Eligible properties are listed below, and buyers must qualify for bank or mortgage financing that meets program requirements.”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · MBCAHF 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. - Income limits
See exact policy language
“Have a household income at or below 120% Area Median Income”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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 properties are listed below, and buyers must qualify for bank or mortgage financing that meets program requirements.”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · MBCAHF 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. - Participating lender
See exact policy language
“Obtain loan from approved lender”
MBCAHF Down Payment Assistance — Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · ELIGIBLE BUYERSOpen 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 — MBCAHF
See exact policy language
“Email to: INFO@MBCAHF.ORG”
MBCAHF DPA Program Application (PDF) — MBCAHF, Inc. · Application page 1 · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026
Important notes
- It is not stated whether the assistance is limited to the properties listed on the program page; confirm with MBCAHF.
Official contacts
MBCAHF: INFO@MBCAHF.ORG
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
MBCAHF Down Payment Assistance · Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.) · 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.