Housing · Buying a home
Fulton County Down Payment Assistance
Offered by Fulton County Department of Community Development
About
About This Program
Up to $25,000 in forgivable down payment help for first-time buyers purchasing in Fulton County outside the City of Atlanta.
Eligibility
Who Can Apply
- First-time homebuyer, or have not owned a home in the past 3 years
- Home in Fulton County outside the City of Atlanta, used as your primary residence
- Household income within the 2026 limits (for example, $94,250 for a household of four)
- Purchase price of $347,000 or less for an existing home, or $371,000 for new construction
- Approved for a first mortgage with a HOP participating lender
- Complete HUD-approved housing counseling, with an 8-hour homebuyer education certificate for each borrower
Area served: Fulton County
The offer
What's Offered
- Up to $25,000 for down payment, closing costs or an interest rate buy-down
- Deferred 0% interest loan with no monthly payments
- 20% of the loan forgiven each year over 5 years
Amount: Up to $25,000, forgiven over 5 years
Cost: No application fee
Get ready
What You'll Need
- Valid photo ID (and your spouse's, if applicable)
- Pay stubs for the last 2 months, or benefit award letters, for each adult
- Last 3 years of IRS tax transcripts and your most recent W-2s (2 years of tax returns if self-employed)
- 2 months of statements for every open bank account, for each adult
- 8-hour HUD-approved homebuyer education certificate for each borrower
- Signed purchase contract and proof of earnest money
- Homeowner's insurance
- Home inspection report
- Here's the list of participating lenders https://www.fultoncountyga.gov/-/media/Departments/Community-Development/FULTON-COUNTY-HOME-OWNERSHIP-PROGRAM-Participating-Lender-rev-7-2026.pdf
Key dates
Dates
Keep exploring
More Housing Resources
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Atlanta Down Payment Assistance
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Cobb County Down Payment Assistance
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