Clayton County Community Development / Clayton Grants
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Clayton County Community Development / Clayton GrantsGAFirst-Time HomeownerClayton County HUD funded down payment assistance provided as a 0 percent interest deferred soft second mortgage that covers part of the buyer's down payment and closing costs and is forgiven after a required owner occupancy period.
Updated: Dec 6, 2025
County-level down payment assistance program providing up to $10,000–$15,000 in interest-free, forgivable “soft second” financing to help income-eligible first-time buyers purchase homes in Clayton County.
Eligible for: First-time homebuyers (or those who have not owned a home in the last 3 years) purchasing an owner-occupied home in Clayton County with a ma…
Funding: Provides up to 10,000 dollars in 0 percent interest deferred down payment and closing cost assistance for most eligible buyers and up to 15,000 dollars for veterans, Clayton County employees, and designated Georgia frontline workers, structured as a soft second mortgage that is forgiven after 5 to 10 years of continuous owner occupancy.Deadline: Rolling / while program funds remain availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerveteran homebuyerClayton County employeefrontline workerdown payment assistanceclosing cost assistance0% interestforgivable loansoft second mortgagecounty programfrontline worker incentive