Lenders for VA loans
Georgia Down Payment Assistance Available in 2025:
Zero money down mortgage loans
One of the biggest challenges for those buying their first home is coming up with the necessary funds. There is a down payment involved, and there are closing costs associated with a new mortgage. For many, it’s not their credit that is an issue, nor is having sufficient income to qualify and a two-year employment history. Instead, it’s saving up the necessary cash to close.
But there are programs in Georgia that can address some of these concerns regarding down payment and closing costs that may not be all that well known. There is a program that combines an FHA mortgage with Georgia’s “Georgia Assist” program. We have many loan programs that can be utilized to find down payment assistance options for FHA loans. Let’s look at how these solutions work together to assist first-time home buyers.
Georgia Dream Down Payment Assistance
Make Your Homeownership Dreams Come True with Georgia Dream Down Payment Assistance!
Are you a first-time homebuyer looking to make your dream of owning a home a reality? The Georgia Dream Down Payment Assistance Program is here to help you every step of the way. With up to $10,000 in assistance for eligible buyers, and up to $12,500 for public protectors, educators, healthcare providers, and those with family members living with a disability, our program is designed to make homeownership more accessible and affordable.
Additionally:
USDA - Rural property 100% financing + 10K to $12,500 assistance
VA Borrower: 100% financing + 10K to $12,500 assistance
In most cases, same-day pre-approvals
Atlanta Housing Authority- Grant DPA
Unlock Your Dream Home with Atlanta Housing's Down Payment Assistance Program!
Are you a first-time homebuyer eager to step into homeownership? Atlanta Housing's Down Payment Assistance (DPA) Program is here to make your dream a reality. With up to $20,000 in assistance for eligible buyers, and up to $25,000 for public safety, healthcare, education professionals, military personnel, and voucher participants, our program is designed to help you overcome the biggest hurdle in buying a home – the down payment
Purchase a Home or Condo up to $375,000 within the City Limits of Atlanta, with up to $20,000-$25,000 in Purchasing Assistance. Certain restrictions apply.
- Income cannot exceed 80% of the current HUDS MSA Area Median Income - Enter Property Address Here
- Primary residence only ( Single Family, Condo, Townhomes)
New! Up to $20,000 for buyers who qualify
Guild Mortgage has been approved to lend up to 1.250 million in 2025!
Guild Mortgage is seeking homebuyers in need of financial assistance, whether you're a first-time homebuyer or have owned a property within the last three years. Our homebuyer assistance program provides a soft-second mortgage at zero percent interest, with all payments deferred. This program helps reduce housing costs by increasing your down payment and lowering your mortgage amount, without adding any extra expense to your monthly mortgage payment.
Credit scores down to 540*
This loan program is available to qualifying homebuyers purchasing homes located in the 29-county Atlanta MSA area. Georgia counties include Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, and Walton.
We offer two down payment and closing costs programs:
- The down payment assistance ranges from $17,500 to $20,000. assistance if the household Income does not exceed 80% of the current HUDS MSA county area median income. ( AMI )
- $15,000 DPA Assistance if household income is 80%.01 or more and less than 120% AMI. ( as of 04/14/2025) Out of funding until further notice. We may have additional funding for this loan product at a later date.
Enter Property Address or County Here to locate the total house hold income limit.
- Primary residence only ( Single Family, Condo, Townhomes, Manufactured housing)
How do I apply or get more information? Contact 404-276-4268 for more information or click on the registration button below.
* Credit scores under 640 do require additional compensating factors for financing. Not all borrowers will be eligible for this or any home financing.
