Georgia • First-Time Homeowner programs

First-Time Homeowner grants in Georgia

Browse first-time homeowner grants available in Georgia, including statewide and local programs.

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10 active programs in Georgia

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Georgia Dream Homeownership Program

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Georgia Department of Community Affairs – Georgia DreamGAFirst-Time HomeownerGeorgia Department of Community Affairs statewide housing finance agency program that offers affordable 30 year fixed rate first mortgages paired with second loan down payment and closing cost assistance for eligible buyers.

Updated: Dec 6, 2025

Statewide first-time homebuyer program providing affordable 30-year fixed-rate mortgages with layered down payment and closing cost assistance for Georgia residents.

Eligible for: Primarily first-time homebuyers in Georgia (or those who have not owned a home in the last three years), plus certain exceptions for veteran…

Funding: Standard Georgia Dream down payment assistance provides up to 10,000 dollars, with enhanced PEN and CHOICE options offering up to 12,500 dollars for eligible public service workers or households that include a person with a disability, structured as a second loan with no monthly payments that becomes due when the home is sold, refinanced, or no longer the buyer's primary residence.Deadline: Rolling, subject to funding and participating lender pipelineRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentdown payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanhomebuyer education required

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Warner Robins First-Time Homebuyer Purchase Assistance Program

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City of Warner Robins – Community & Economic DevelopmentGAFirst-Time HomeownerCity of Warner Robins first time homebuyer purchase assistance structured as a subordinate down payment and closing cost assistance loan or grant that is layered with an affordable first mortgage for income eligible buyers purchasing within city limits.

Updated: Dec 6, 2025

Local first-time homebuyer purchase assistance program in Warner Robins that offers up to $5,000 toward down payment and closing costs on homes in the city.

Eligible for: Income-eligible first-time homebuyers (no homeownership in the last 3 years) purchasing an owner-occupied home within Warner Robins city lim…

Funding: Provides up to 5,000 dollars of the home purchase price toward down payment and closing costs as a subordinate assistance product tied to owner occupancy and local program guidelines.Deadline: Rolling / subject to local funding availabilityRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerWarner Robins residentdown payment assistanceclosing cost assistancesubordinate loanlocal programfirst-time homebuyer assistance

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Fulton Homeownership Program (HOP) – Fulton County

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Fulton County Community Development – Homeownership ProgramGAFirst-Time HomeownerFulton County Community Development zero percent interest deferred payment second mortgage program that provides down payment and closing cost assistance to low and moderate income first time homebuyers in eligible parts of the county.

Updated: Dec 6, 2025

Fulton County’s HOP provides up to $15,000 in zero-interest, deferred down payment and closing cost assistance to help first-time buyers purchase homes in qualifying parts of the county.

Eligible for: First-time homebuyers purchasing an owner-occupied home in eligible parts of Fulton County (generally outside certain municipalities such as…

Funding: Offers up to 15,000 dollars in down payment and closing cost assistance as a 0 percent interest deferred payment second mortgage that carries no monthly payments and is forgiven after a multiyear affordability period, typically six or eleven years depending on the assistance amount and program guidelines.Deadline: Rolling, while funding is availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerFulton County residentdown payment assistanceclosing cost assistance0% interestdeferred loanforgivable loansecond mortgagecounty program

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DreamMaker Home Purchase Assistance Program

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City of Savannah Housing & Neighborhood Services DepartmentGAFirst-Time HomeownerCity of Savannah administered 2 percent interest 30 year deferred payment second mortgage that can be layered with a first mortgage to provide down payment, closing cost, and gap financing assistance to eligible buyers.

Updated: Dec 6, 2025

City of Savannah’s flagship DreamMaker program offers substantial, low-interest deferred loans—up to $50,000—for down payment, closing costs, and gap financing to help first-time buyers purchase homes within Savannah.

Eligible for: Income-eligible first-time homebuyers purchasing a primary residence within Savannah city limits; must complete approved homebuyer education…

Funding: Provides up to 50,000 dollars as a 2 percent interest 30 year deferred payment loan for homes developed in partnership with the City of Savannah and up to 30,000 dollars as a 2 percent interest 30 year deferred payment loan for other eligible properties, usable toward down payment, closing costs, and gap financing.Deadline: Rolling / first-come, first-served while funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerSavannah residentdown payment assistanceclosing cost assistancegap financing2% interestdeferred loansecond mortgagecity program

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Clayton County Down Payment Assistance Program

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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

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Homestretch Down Payment Assistance Program – Gwinnett County

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Gwinnett County Housing and Community DevelopmentGAFirst-Time HomeownerGwinnett County HUD funded Homestretch down payment assistance offered as a zero percent interest five year deferred second mortgage that is fully forgiven after five years of continuous owner occupancy.

Updated: Dec 6, 2025

County-level down payment assistance program offering up to $10,000 in a zero-interest deferred loan to help first-time buyers purchase homes in Gwinnett County.

Eligible for: First-time homebuyers purchasing an affordable home in Gwinnett County within program purchase price limits; must complete an eight-hour HUD…

Funding: Provides up to 10,000 dollars in down payment assistance as a zero percent interest deferred loan with no monthly payments that is forgiven in full after five years of owner occupancy.Deadline: Rolling, first-come first-served while program funds are availableRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerGwinnett County residentdown payment assistanceclosing cost assistance0% interestforgivable loandeferred second mortgagecounty programHUD funded

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Atlanta Housing Down Payment Assistance Program

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Atlanta HousingGAFirst-Time HomeownerAtlanta Housing community second down payment assistance structured as a zero percent interest subordinate subsidy loan that helps cover down payment and closing costs and is typically forgiven after a required owner occupancy period.

Updated: Dec 6, 2025

City of Atlanta down payment assistance program providing up to $25,000 in a community second loan to help first-time homebuyers cover down payment and closing costs.

Eligible for: First-time homebuyers or those who have not owned a home in the last three years, purchasing an owner-occupied home within the City of Atlan…

Funding: Provides up to 20,000 dollars in down payment assistance for eligible first time buyers and up to 25,000 dollars for qualifying public safety, healthcare, education, military, veteran, and voucher households, structured as a zero percent interest forgivable community second loan with no monthly payments.Deadline: Rolling, subject to available funding and lender approvalRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerpublic safety workerhealthcare workereducatormilitary homebuyerveteran homebuyervoucher holderAtlanta residentdown payment assistanceclosing cost assistance0% interestforgivable loancommunity secondcity programfrontline worker incentive

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Apply for the Georgia Dream Homeownership Program

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State of GeorgiaGAFirst-Time HomeownerState of Georgia informational and application portal that connects eligible buyers to Georgia Dream affordable first mortgages and associated second loan down payment and closing cost assistance.

Updated: Dec 6, 2025

State portal page explaining how to start the application process for the Georgia Dream Homeownership Program, including steps to connect with an approved lender and complete homebuyer education.

Eligible for: Georgia residents who are first-time homebuyers or meet Georgia Dream exceptions, purchasing a primary residence in the state within program…

Funding: Describes Georgia Dream assistance amounts that generally range up to about 10,000 to 12,500 dollars depending on borrower category and loan option, delivered as a second mortgage with no monthly payments that becomes due when the home is sold, refinanced, or no longer used as the borrower's primary residence.Deadline: Rolling; applicants must work through participating lenders while funds remain availableRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentfrontline workerdown payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanapplication portal

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Columbus First-Time Homebuyers Program

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City of Columbus – Community Reinvestment / Housing DivisionGAFirst-Time HomeownerCity of Columbus first time homebuyers program that provides substantial down payment and closing cost assistance as a subordinate low or no interest loan or forgivable lien layered with an affordable first mortgage.

Updated: Dec 6, 2025

The Columbus First-Time Homebuyers Program delivers up to $30,000 in assistance to help qualified buyers cover down payment and closing costs on homes within the City of Columbus.

Eligible for: Income-eligible first-time homebuyers (no home in past 3 years) purchasing an owner-occupied home within Columbus city limits; must meet pro…

Funding: Offers up to 30,000 dollars in assistance to help qualified buyers cover down payment and closing costs on homes within the City of Columbus, typically structured as a subordinate, low or no interest loan or forgivable lien tied to owner occupancy requirements.Deadline: Rolling / first-come, first-served while local funds lastRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerColumbus residentdown payment assistanceclosing cost assistancesubordinate loanforgivable liencity programhigh assistance amount

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Augusta First-Time Homebuyers Program

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City of Augusta – Housing & Community Development DepartmentGAFirst-Time HomeownerCity of Augusta first time homebuyers program that provides local down payment and closing cost assistance as a subordinate low or no interest loan or forgivable grant tied to owner occupancy and paired with an affordable first mortgage.

Updated: Dec 6, 2025

City of Augusta’s First-Time Homebuyers Program provides up to $5,000 toward down payment and closing costs to help low- and moderate-income buyers become homeowners.

Eligible for: Income-eligible first-time homebuyers (no home ownership in the past 3 years) purchasing an owner-occupied home within Augusta city limits; …

Funding: Provides up to 5,000 dollars in assistance to cover eligible down payment and closing costs for qualified first time buyers purchasing in the City of Augusta, typically structured as a subordinate, low or no interest loan or forgivable grant with an owner occupancy requirement.Deadline: Rolling / subject to City funding availabilityRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerAugusta residentdown payment assistanceclosing cost assistancesubordinate loanforgivable grantcity programfirst-time homebuyer assistance

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