Georgia · Down-payment assistance
Georgia has more first-time-buyer help than almost anyone tells you — a statewide program, a federal grant, and city and county funds on top. Here are the real programs KevaAI checks and stacks for you, without wading through generic national loan pages.
Conceptual · stays on this guide
See how these programs layer together — the rules, the order, and why combining them shrinks your cash to close. No sign-up, no numbers of your own required.
Learn how stacking worksPersonalized · routes to sign-up
We'll ask a few questions and check you against these programs. Your personal eligibility isn't calculated on this page — it needs your details.
See what I qualify forDollar amounts show the conservative standard tier through the headline maximum. Enhanced tiers, income caps, and eligibility vary — always confirm against each program before you rely on a figure.
Last verified May 25, 2026 · KevaAI Content Team
Georgia DCA
$10,000–$12,500
Figures subject to change — verify current limits with the program (as of 2026-05-25).
0%-interest deferred second loan (repaid on sale/refi/move-out), not a forgiven grant. For buyers exceeding traditional Georgia Dream caps. Confirm tier amounts/income caps against the DCA matrix.
Official programGeorgia DCA
Federal tax credit
Federal tax credit, not cash at closing. Stacks with any cash DPA to lower the calculated debt-to-income ratio and boost purchasing power. Excluded from the cash grant total.
Official programFHLB Atlanta (via member banks)
$17,500–$20,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
$17,500 first-time / $20,000 community partners. Household income must be <=80% AMI; minimum $1,000 buyer contribution; forgivable after a 5-year retention period. Layers on top of a primary DPA via a member bank.
Official programInvest Atlanta
$10,000–$20,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
AAHOP / IMAP up to ~$10,000; Vine City Renaissance up to $20,000. Property must be inside City of Atlanta limits; income tied to AMI tiers; mandatory Invest Atlanta Q&A attendance; participating lender required.
Official programAtlanta Housing
$20,000–$60,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
$20,000 standard / $25,000 Heroes / up to $60,000 voucher pilot. Must purchase inside City of Atlanta limits; income at or below 80% AMI; max purchase price $375,000.
Official programFulton County
Up to $22,500
Figures subject to change — verify current limits with the program (as of 2026-05-25).
Up to $22,500 based on financial need. First-time buyer; income at or below 80% AMI ($94,250 for a 4-person family); max purchase $347K existing / $367K new build. Excludes Atlanta, Johns Creek, Roswell, Sandy Springs.
Official programCobb County
Up to $25,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
2% of loan + an additional $10K-$15K for public employees (not counted in the baseline). Repeat buyers allowed; max FHA loan $498,257; min FICO 660; income caps up to $149,240.
Official programDecide DeKalb
Up to $15,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
1% to 3% non-repayable grant based on overall loan balance. Repeat buyers allowed; FHA max income cap $111,580; minimum 660 FICO for FHA.
Official programGwinnett County
Up to $10,000
Figures subject to change — verify current limits with the program (as of 2026-05-25).
Up to $10,000. First-time buyer; income <=80% AMI; max purchase $349K existing / $410K new construction; 0% interest, 5-year forgivable soft second mortgage. Gwinnett side of Buford qualifies.
Official programFigures subject to change — verify current limits with the program (as of 2026-05-25).
Estimated assistance only — not a commitment or guarantee of eligibility. Program availability, amounts, and which programs can be combined depend on each program's current rules, household and credit verification, lender approval, and underwriting. KevaAI is not a lender.
This guide is for informational purposes only and is not financial, legal, or tax advice. Programs, figures, and eligibility change — consult a licensed professional before making decisions about your home purchase.
