Are you a first-time homebuyer in Georgia? This guide provides valuable resources and assistance programs tailored specifically for Georgia residents. Discover specialized programs, including down payment assistance and favorable mortgage options, designed to support your journey toward homeownership. Navigate the dynamic real estate market with confidence and find opportunities in the diverse communities of Georgia. Whether you're drawn to the vibrant city life or the tranquil charm of smaller towns, this guide offers information to help you make informed decisions. Start your path to homeownership in the Peach State today.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to $7,500 in down payment assistance | Homebuyers living with a disability or a member that will be living in the house with a disability | Second mortgage | |
| Up to $7,500 in down payment assistance | Homebuyers that are currently employed as protectors, educators, and health care providers | Second mortgage | |
| Up to $5,000 in down payment assistance | Any homebuyer that meets income and savings requirements | Second mortgage |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Athens - Clark | Down payment assistance- amount not specified | Any homebuyer that can meet income requirements | Not specified | |
| Clayton | Down payment assistance - amount not specified | Any homebuyer that can meet income and credit score requirements and buying within Clayton county | Not specified | |
| Dekalb | Up to 5% of home loan for down payment assistance | Homebuyers that can meet income requirements and buying in Dekalb county | Grant | |
| Dekalb | Up to 5% of the home sale price for down payment assistance | Any homebuyer that can meet income requirements and buying in Dekalb county | Grant | |
| Fulton | Up to $10,000 in down payment assistance | First time homebuyer purchasing a home in Fulton County (excluding the city limits of Atlanta, Sandy Springs, and Roswell) | Deferred loan with a 0% interest rate | |
| Fulton | Assistance in purchasing foreclosed or abandoned properties to rehabilitate | Any homebuyer that can meet income requirements | Not specified | |
| Gwinnett | Up to $7,500 in down payment assistance | First time homebuyers that can meet income and credit score requirements | Deferred loan with a 0% interest rate | |
| Gwinnett | Up to $22,500 in down payment assistance | Homebuyers that can meet income requirements | Forgivable second mortgage with a 0% interest rate | |
| Hall | Up to $7,500 in down payment assistance | Homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Albany | Down payment and closing cost assistance- amount not specified | Not specified | Not specified | |
| Atlanta | Up to $14,000 in down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements | Forgivable loan | |
| Atlanta | Up to $10,000 in down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements and will be using a home renovation mortgage loan | Forgivable loan | |
| Atlanta | Up to 3.5% of the home loan that can be used for down payment assistance | Homebuyers that can meet income requirements | Grant | |
| Atlanta | Up to $10,000 in down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements | Forgivable loan | |
| Atlanta | Up to $10,000 in down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements | Forgivable loan | |
| Augusta | Up to $5,000 loan for down payment and closing cost assistance | Homebuyers who meet income requirements, are employed, and have a satisfactory credit history | Second mortgage | |
| Savannah | Up to $6,000 in down payment assistance | Homebuyers that are currently employed by the city of Savanna and are buying within Savannah city limits | Forgivable loan |
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