Available to:

• First-time Homebuyers; OR Homebuyers who have not owned a home in the past three (3) years—i.e., homebuyers who have not had an ownership interest in residential or commercial property in the past three years.

Eligibility Requirements include:

1. Income(s) cannot exceed 80% of the current HUD’s MSA Area Median Income (AMI)
2. Property purchased must be the homebuyer’s primary residence (2nd homes not permitted)
3. The buyer’s liquid assets cannot be more than $25,000
4. Must meet the primary lender’s loan credit requirements and approval, from a participating lender, for conventional, FHA or VA loan financing
5. The primary loan can be for a 15, 20, 25, or 30-year loan term, and must be a fixed-rate loan
6. Documentation of Georgia residency of not less than six (6) months
7. Properties purchased can be a single family detached(SFD), townhome(TH), or condominium(Condo); undeveloped land is not eligible
8. Certificate of Completion of an eight (8)-hour Homebuyer Education class from a HUD-approved HBE provider, for all person(s) on the note
9. The buyer’s contribution or own funds for the purchase must not be less than $1,500

Down Payment Assistance Options:

• Up to $20,000 is the standard DPA and eligible buyers may qualify
• Up to $25,000 for professionals and para-professionals in public safety, healthcare and education; current military or veterans; & Voucher Participants
• AH DPA can be layered with other sources of DPA if approved by the primary lender

Maximum Purchase Price:

• $335,000

Geographical Restriction:

• Properties being purchased must be within the City of Atlanta

Traditional DPA Program

• Provides between $5,000-$10,000 in down payment assistance to qualifying homebuyers
• Household income of less than 80% of area median income.  These funds can be used to purchase an ANDP home or any other existing home

Home Purchase Paired With DPA

Home

• The Federal HOME program provides homebuyer assistance strictly based upon the borrower's need and amounts vary depending on the jurisdiction.
• Homebuyer's household income can not exceed 80% of area median income

Neighborhood Stabilization Program (NSP)

• Provides up to $25,000 in homebuyer assistance depending upon the jurisdiction

Special Initiatives

ANDP Veterans Program

• Provides up to $7,500 in homebuyer assistance to any honorably discharged veteran, active-duty military personnel, reserve member, guard member, or Gold Star family member.
• Assistance provided comes in the form of seller contribution at closing.
• Qualifying participants can use these funds only for the purchase of an ANDP property. 

Home South DeKalb Initiative

• Healthcare Workers, First Responders, Military, Teachers, and DeKalb County government employees who purchase a home from ANDP in South DeKalb can receive up to $7,500 in homebuyer assistance.

Atlanta's Historic Pittsburgh Neighborhood

• Program limited to qualifying homebuyers with a household income at or below 80% of area median income.
• ANDP has partnered with the Annie E. Casey Foundation to acquire, rehab/build homes in this historic neighborhood.

Maximum Purchase Price:

• $335,000

Geographical Restriction:

• Properties being purchased must be within the City of Atlanta

Down Payment Loan Options

• $10,000: STANDARD — All eligible homebuyers may qualify!
• $12,500: Protectors, Educators & Nurses (PEN) — Are you a public protector, educator, healthcare provider — or work for these industries — or active military?
• $12,500: CHOICE — Is a member of your family living with a disability?

Georgia Dream loans* are available to:

• First-Time Home Buyers, OR
• Homebuyers who have not owned a home** in the past three years, OR
• Those who purchase a home in certain areas

*Loans are 30-year fixed interest rate mortgages. Participating lenders give credit approval for FHA, USDA-RD, VA or conventional eligible mortgage loans.

**Homebuyers who have not had interest or ownership in a primary residence in the last three years.

• $10,000/Employees up to $15,000  
• All Georgia Police, First Respnders, Educators, Healthcare, and Veterans/Spouses up to $15,000
• Must be First -Time Homebuyer (Never Owned or Not in Last Three Years)
• Meet HUD Income Limits of 80% AMI or Lower
• New Construction Included (No condo/mobile)
• Maximum Single Family Home Price - $250,000

• Non-repayable home down payment grants for new or eligible homeowners.
• Approved applicants will receive a 30-year, fixed-rate, fully amortized first mortgage and non-repayable down-payment grant of up to 3% of the initial principal balance of the mortgage.

• Assistance up to $10,000 as a deferred payment loan
• 0% interest to qualified homebuyers who occupy the home as their principal residence for a period of at least six years.

• Assistance up to $7,500 as a five-year deferred payment loan with 0% interest
• No repayment after homebuyer occupies their home as their principal residence for a period of at least five years. 
• Must be a first-time homebuyer (or have not owned a home for three years or more)
• Must have at least one credit score above 640
• Property must be either a single-family detached home or townhome
• Property must be located within Gwinnett Count
• Property may not cost more than $257,000.00 for an existing home or $305,000.00 for new construction

• 100% financing available
• Flexible credit standards
• No monthly mortgage insurance
• To see if a property qualifies, visit the USDA Income and Property Eligibility Site.

• Designed specifically for eligible veterans, active-duty service members, and surviving spouses. 
• VA Program financing with 0% down payment available
• No monthly mortgage insurance
• Flexible credit standards