Atlanta Housing Down Payment Assistance Program

Open

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.Atlanta 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.RollingDeadline: Scope: Localstate

Updated: Dec 6, 2025

Summary

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.

Benefits

down payment assistanceclosing cost assistance0% interestforgivable loancommunity secondcity programfrontline worker incentive

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyerpublic safety workerhealthcare workereducatormilitary homebuyerveteran homebuyervoucher holderAtlanta resident

Eligible Locations

First time homebuyers, or buyers who have not owned a home in the last three years, purchasing an owner occupied home within the City of Atlanta who meet household income limits, complete homebuyer education, are documented Georgia residents for the required period, and qualify for an approved first mortgage from a participating lender. Enhanced assistance amounts are available for public safety workers, healthcare professionals, educators, military and veteran households, and Housing Choice voucher participants.

Eligibility

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 Atlanta; must meet household income limits (typically up to 80% of area median income in most cases), complete homebuyer education, be a documented Georgia resident for a minimum period, and qualify for an approved first mortgage from a participating lender

Full Description

The Atlanta Housing Down Payment Assistance Program is structured as a community second, or subsidy loan, that sits in a subordinate lien position behind the buyer’s first mortgage. Eligible homebuyers in the City of Atlanta can receive up to $20,000 in down payment assistance, with enhanced amounts up to $25,000 reserved for public safety workers, healthcare professionals, educators, active-duty military, veterans, and Housing Choice voucher participants. Assistance is typically a zero-interest, forgivable loan that requires no monthly payments and is forgiven after a set period of continued owner-occupancy. Borrowers must meet income limits, complete homebuyer education, secure an affordable first mortgage, and purchase a qualifying property within Atlanta city limits. This program is designed to stack with other local and state resources to significantly reduce the cash-to-close burden on first-time buyers.

Verification & Details

Status: Open

Source: atlantahousing.org

Official source → atlantahousing.org

Apply on official siteUpdated Dec 6, 2025

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