Help to buy in Georgia
Home-buying assistance programs in Georgia
3 official programs for down payment and closing cost help in Georgia, from Georgia Department of Community Affairs and Invest Atlanta. We show what each program says on its own page, with the date we checked it.
Key numbers in Georgia
- Verified programs
- 3
- from Georgia Department of Community Affairs and Invest Atlanta
- First-time buyers only
- 1
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Deferred
Second loan with no payments until you sell or refinance
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Type not stated
The source does not say the type of help
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Forgivable
Second loan forgiven if you stay in the home
The full list
Programs in Georgia
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Deferred
Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments
What it gives, per the source
Five percent (5%) of the property purchase price or a maximum $10,000, whichever is the lesser amount. … The down payment assistance is a 0% interest loan with no monthly payment. … It is due when you sell, refinance or no longer occupy the home as your primary residence.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Georgia Department of Community Affairs
Verified November 5, 2026
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- Type not stated
FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement
What it gives, per the source
Standard - All eligible homebuyers may qualify! 3.5% (three and a half percent) of the purchase price or maximum of $10,000, whichever is the lesser amount. … Protectors, Educators & Nurses (PEN) - Are you a public protector, educator, healthcare provider — or work for these industries — or active military? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount. … Choice - Is a member of your family living with a disability? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Georgia Department of Community Affairs
Verified November 5, 2026
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ATL HomeNOW
Only in: Atlanta, Fulton County, DeKalb County
- Forgivable
Invest Atlanta help of up to $20,000 for the down payment, closing costs or a lower rate when you buy within the City of Atlanta, alongside a 30-year mortgage; forgiven if you live in the home 10 years
What it gives, per the source
Homebuyers can receive up to $20,000 to help buy a home within the incorporated city limits of Atlanta. … Homebuyers will receive a 30‐year, fixed‐rate 1st mortgage loan, AND up to $20,000 in assistance that can be used for down payment, closing costs, permanent interest rate reduction, OR all 3 … Affordability period is 10 years. Loan is forgiven after living in the home for 10 years as the primary residence.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Invest Atlanta (Development Authority of the City of Atlanta)
Verified November 5, 2026
No program matches your search.
Rent help
Help with rent and utility bills in Georgia
One program we checked in Georgia to pay rent, power or gas, or avoid an eviction, with what its page says.
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Low Income Home Energy Assistance Program (LIHEAP)
Run by Georgia Department of Human Services, Division of Family & Children Services (DFCS)
Help from the federal LIHEAP program in Georgia to pay the home energy bill, through your county's community action agency
Help to repair your home
Repair programs in Georgia
One program we checked in Georgia to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program
Run by Georgia Environmental Finance Authority (GEFA)
Georgia weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Georgia?
Of the 3 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.