Down Payment Assistance Program

The dream of homeownership can be a reality with our down payment assistance program.

How to Qualify

• First time home buyer or has not owned a home within the last 3 years
• Pre-qualify and work with a HUD Certified Lender
• Must meet HUD Income Limits of 80% the area median income or lower
• Attend a HUD APPROVED 8 Hour Home Buyer Education Class
• Eligible buyers can receive up to $10,000 in assistance
• Eligible Veterans/Spouses can receive up to $15,000 in assistance
• Eligible Clayton County Employees can receive up to $15,000 in assistance
• All eligible Georgia Law Enforcement, First Responders, Healthcare
workers and in Education can receive up to $15,000 in assistance
• Select a home to purchase in Clayton County
• Max Purchase price of $270,000
• Fee Simple Ownership
• Interest free, soft second loan
• Buyer must occupy home for 5 or 10 years depending on the amount
of funds received, after 5- or 10-years our loan amount is fully forgiven
• Condos or mobile homes are not eligible
• $1,000 contribution from the buyer (can consist of earnest money,
inspection, or appraisal)
• Select approved Closing Attorney
• No money will be received by buyer at closing

How to Get Started:

Meet the 80% AMI HUD income limit per household Click here to view the current income limits
Select one of our HUD Preferred Lenders from our list – Click here to view the Preferred Lenders list
Take an 8hr. HUD approved homebuyer education class. Click links below:

2024 Homebuyer Education Workshops Schedule (pdf)(211KB)

October 19, 2024 Homebuyer Education Workshop (pdf)(1MB)

Meet the approved lenders minimum credit score requirement to begin the pre-approval process
Select an existing or new construction single-family home within Clayton County, GA
Condos or Mobile Homes do not qualify for DPA
Select a home that does not exceed $270,000