Down Payment Assistance Programs

Welcome to our Atlanta down payment assistance programs page. Below, we have listed several down payment assistance programs that you may be able to take advantage of. Contact us for immediate assistance.

Northwest Georgia NSP

  • Provides up to $20,000 toward down payment based on income
  • Soft Second mortgage
  • Purchase price can't exceed Median Home Value for the county
  • Does not have to be a first-time homebuyer
  • Services Bartow, Catoosa, Chattooga, Dade, Floyd, Gordo, Haralson, Paulding, Polk and Walker Counties
  • 8 hour HUD Approved Home buyer education required

Georgia Dream

  • Provides a Soft Second Mortgage from $5,000 to $7,500
  • Buyer must be first-time home buyer
  • Maximum purchase price $250,000 in Atl MSA and $200,000 in all other GA Counties
  • Must meet income limits for familial size
  • Loan is paid back once the home is sold
  • Home buyer education required


  • Provides up to 100% financing in USDA Designated Area
  • No first-time home buyer requirement
  • Maximum purchase price based on program limits
  • Income limits range from based on county.

ADA Neighborhood Lift

  • Provides down payment for properties in the City of Atlanta up to $15,000
  • Buyer cannot own other real estate at time of purchase
  • No maximum sales price
  • 115% of the HUD median income for total household
  • 8 hrs Neighborhood Works Affiliate HUD approved home buyer education required

Dekalb County First-Time Buyer Home Program

  • Provides grants up to $8,000 for properties purchased in Dekalb but outside Atlanta city limits
  • Buyer must be first-time home buyer
  • Maximum purchase price of $160,000
  • Must be at or under 80% of the HUD median income
  • Homebuyer education required

Income Limits for 80% of HUD Area Median Income

1 Person   2 Person   3 Person   4 Person   5 Person
$38,850   $44,400    $49,950    $55,450    $59,900