City of Atlanta · Grant

HOME Atlanta 4.0

3.5% grant — no repayment ever

3.5% grant on FHA or VA loans — never needs to be repaid. True free money for Atlanta buyers.

Atlanta's HOME-funded DPA program uses federal resources to help buyers purchase in designated Atlanta neighborhoods. The program directs investment to communities where homeownership promotes stability and prevents displacement.

Amount3.5% grant — no repayment ever

TypeGrant

Available inGeorgia

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Georgia Dream Standard $10,000

Georgia · Deferred 0% loan

Georgia Dream PEN $12,500

Georgia · Deferred 0% loan

Georgia Dream Choice $12,500

Georgia · Deferred 0% loan

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