Grants, forgivable loans, and subsidized mortgages — many Georgia buyers qualify for $100,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
5% of purchase price or $10,000 (whichever is less). 0% interest, deferred until you sell or refinance.
Deferred 0% loanHouse-hack eligible6% of price or $12,500 for protectors, educators, nurses, healthcare workers, and active military.
Deferred 0% loanHouse-hack eligible6% of price or $12,500 for families with a member living with a disability.
Deferred 0% loanHouse-hack eligible2-5% DPA or 0% down with reduced rate. Available to first-time AND repeat buyers. Launched July 2025.
DPA programHouse-hack eligibleUp to $20,000 toward down payment and closing costs. Forgivable after 5-10 years depending on amount.
Forgivable loanUp to $25,000 for first-time buyers purchasing in the City of Atlanta. Max purchase price $375K.
DPA program3.5% grant on FHA or VA loans — never needs to be repaid. True free money for Atlanta buyers.
Grant$15,000-$20,000 through FHLBank Atlanta member lenders for buyers under 120% AMI.
Grant3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 8 state-specific programs and 7 federal programs available in Georgia, totaling 15 programs.
Not all programs require first-time buyer status. Several Georgia programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.