For many aspiring homeowners in Atlanta, saving for a down payment is one of the greatest barriers to purchasing a home. In response, a wide range of federal, state, city, and county down payment assistance (DPA) programs have been developed to make homeownership more accessible —particularly for first-time and low- to moderate-income buyers.
Atlanta stands out nationally for the depth and “layering” potential of its assistance programs, allowing qualified buyers to combine multiple sources of funding and significantly reduce out‑of‑pocket costs.
Below is a list of some programs available in Georgia and the Atlanta Metro area, aimed at assisting first-time homebuyers, and some general information about each of the programs. The information is high-level; may change; based on income, need, employment, property location, occupancy, or fund availability; and additional terms and conditions may apply.
Georgia Dream Homeownership Program…