Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Home4Bibb (Bibb County School District employees)
Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.)
A $10,000 0% forgivable loan (20% forgiven each year over 5 years) for full-time Bibb County School District employees buying in Macon-Bibb County; can be layered with Georgia Dream.
Assistance
Advertises up to $10,000
- $10,000
0% forgivable loan; 20% forgiven each year for 5 years; 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.
- Employees of Bibb County School District, Bibb County Schools only: Full-time Bibb County School District employees in good standing who commit to 5 more years of employment.
See exact policy language
“Must be a full-time BCSD employee in good standing”
Home4Bibb - Bibb County School District Down Payment Assistance — 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 credit score 620
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“Have 620+ credit score”
Home4Bibb - Bibb County School District Down Payment Assistance — 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
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“Contribute at least $1,000”
Home4Bibb - Bibb County School District Down Payment Assistance — 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.
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“Complete funder approved homebuyer class”
Home4Bibb - Bibb County School District Down Payment Assistance — 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”
Home4Bibb - Bibb County School District Down Payment Assistance — 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: Unknown — verify with the applicable lender or program administrator.
- 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 — $10,000
See exact policy language
“Home4Bibb provides $10,000 in down payment and closing cost assistance to help qualified full-time employees with the Bibb County School District (BCSD).”
Home4Bibb - Bibb County School District Down Payment Assistance — MBCAHF, Inc. · HOME4BIBBOpen 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
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“20% of the loan is forgiven each year for 5 years.”
Home4Bibb - Bibb County School District Down Payment Assistance — 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. - Eligible employers
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“Must be a full-time BCSD employee in good standing”
Home4Bibb - Bibb County School District Down Payment Assistance — 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 credit score
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“Have 620+ credit score”
Home4Bibb - Bibb County School District Down Payment Assistance — 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”
Home4Bibb - Bibb County School District Down Payment Assistance — 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
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“Complete funder approved homebuyer class”
Home4Bibb - Bibb County School District Down Payment Assistance — 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
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“Will own and occupy home as primary residence”
Home4Bibb - Bibb County School District Down Payment Assistance — 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
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“Purchasing a home in Macon-Bibb County”
Home4Bibb - Bibb County School District Down Payment Assistance — 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. - Participating lender
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“Obtain loan from approved lender”
Home4Bibb - Bibb County School District Down Payment Assistance — 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.
Important notes
- First come, first served while funds last. Additional funding may be available at or below 120% of AMI.
Official contacts
No official contact information on file.
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Home4Bibb - Bibb County School District Down Payment Assistance · 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.