Assistance Programs & Incentives
There are multiple options to help make your dream of homeownership possible within the City of Atlanta. Incentives can be combined to reduce the funds you need to close.
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We offer incentives to make your dream of owning a home in Atlanta become a reality.
Program Requirements
- Participants must contribute $1,500 of their own funds (items purchased outside of closing count toward this requirement).
- Participants cannot own interest in any other property.
- The property must be owner-occupied.
- The property cannot be manufactured.
- Existing properties must pass inspection prior to closing.
The Invest Atlanta Homebuyer Process
1
Q&A Session
The 90 minute Q&A session is mandatory, and you’ll get a better understanding and an opportunity to ask questions.
2
Homebuyer Education
Homebuying is a unique process with a lot to learn, so we require attending a homebuyer education class with a participating educator.
3
Contact a Participating Lender
Contact one of our Participating Lenders to qualify for a mortgage and assist you with incentive selection.
4
Find Your Home
Find a home within the city limits of Atlanta to qualify for Invest Atlanta’s assistance programs. Then submit your offer and get a contract.
5
Close
Work with one of our participating closing attorneys to help the closing process flow smoothly.
Homebuyers can receive up to $20,000 to help buy a home within the incorporated city limits of Atlanta.
Structure
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
Requirements
Must qualify for a 30-year fixed rate FHA, VA. or Conventional mortgage loan with an Invest Atlanta participating Lender
Minimum FICO credit score is 620 with a maximum DTI determined by AUS.
Homebuyers cannot exceed $35,000 in liquid assets.
Homebuyer must make a $1,500 contribution in the transaction from their own funds.
Affordability period is 10 years. Loan is forgiven after living in the home for 10 years as the primary residence.
Eligible Properties
- Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos
- The maximum loan amount is $325,000. NO maximum purchase price
Income Limits
| Household Size | Maximum Income |
|---|---|
| 1 | $99,000 |
| 2 | 113,160 |
| 3 | 127,320 |
| 4 | $141,360 |
| 5 | $152,760 |
Homebuyers that qualify and use a home renovation mortgage loan can receive $10,000 towards down payment & closing costs.
Structure
Homebuyers receive $10,000 toward the down payment and/or closing costs. The loan is fully forgiven after living in the home for 5 years.
Requirements
Must qualify for a 30-year fixed rate FHA, VA, or conventional mortgage loan with an Invest Atlanta participating lender.
The minimum credit score requirement is determined by each participating lender.
Must attend a special renovation education class by Resources for Residents & Communities or Committed to Communities.
For this incentive, homebuyers cannot exceed $35,000 in liquid assets.
This incentive requires a program fee of $1,200 to cover the cost of education.
Eligible Properties
- Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos
- Maximum purchase price is $450,000.
Income Limits
| Household Size | Maximum Income |
|---|---|
| 1 person | $99,000 |
| 2 person | $113,160 |
| 3 person | $127,320 |
| 4 person | $141,360 |
| 5 person | $152,760 |
Receive up to $30,000 in mortgage assistance towards a home purchase in specified areas within the Beltline TAD.
Structure
Beltline Mortgage Assistance Program" provides the homebuyer with mortgage assistance funds of up to $30,000 (civil servants and legacy residents) or up to $20,000 (other qualified buyers) when combined with a 30-year fixed rate FHA, VA, or Conventional mortgage loan. Assistance funds may be used towards the down payment, closing cost, permanent interest rate reduction, or any combination. Funds are provided in the form of a 0% soft second mortgage, with a 15-year affordability period.
Click here to determine if an available property is located within the required area.
Requirements
Must qualify for a 30-year fixed rate FHA, VA, or conventional mortgage loan with an Invest Atlanta participating lender.
Minimum FICO Credit Score is 620 and Debt to Income Ratio is per Automated Underwriting Approval.
Homebuyers may not have more than $35,000 in liquid assets.
Homes must be purchased within the Beltline Tax Allocation District (TAD) subareas 1, 2, 3, 8, 9, and 10.
Eligible Properties
- Maximum loan limit is $400,000
- NO Maximum Purchase Price; Max CLTV is 105%.
- Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos.
Income Limits
| Household Size | Maximum Income |
|---|---|
| 1 (120% AMI) | $99,000 |
| 2 (120% AMI) | $113,160 |
| 3 (120% AMI) | $127,320 |
| 4 (120% AMI) | $141,360 |
| 5 (120% AMI) | $152,760 |
| 1 (140% AMI) | $115,500 |
| 2 (140% AMI) | $132,020 |
| 3 (140% AMI) | $148,540 |
| 4 (140% AMI) | $164,920 |
| 5 (140% AMI) | $178,220 |
Qualifying homeowners can receive $10,000 or $20,000 when buying a home in the Perry Bolton Tax Allocation District.
Structure
Homebuyers at 80% of AMI or below who are purchasing homes deemed permanently affordable are eligible to receive $20,000 in assistance. Homebuyers with household income up to 120% of AMI, who are purchasing a home that is not permanently affordable, but is within the Perry Bolton TAD, are eligible to receive $10,000 in assistance. The loan is fully forgiven after living in the home for 5 years.
Requirements
Must qualify for a 30-year fixed rate FHA, VA, or conventional mortgage loan with an Invest Atlanta participating lender.
The minimum credit score requirement is determined by each participating lender.
This incentive requires a program fee of $1000 to cover the cost of education and ensure commitment to the 5 year minimum living requirement.
For this incentive, homebuyers cannot exceed $25,000 in liquid assets.
Eligible Properties
- Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos.
- Property must be located within the Perry Bolton Tax Allocation District.
- Maximum purchase price is $300,000.
Income Limits
| Household Size | Maximum Income |
|---|---|
| 1 Person (80% AMI) | $66,000 |
| 2 Persons (80% AMI) | $75,440 |
| 3 Persons (80% AMI) | $84,880 |
| 4 Persons (80% AMI) | $94,240 |
| 5 Persons (80% AMI) | $101,840 |
| 1 Person (120% AMI) | $99,000 |
| 2 Persons (120% AMI) | $113,160 |
| 3 Persons (120% AMI) | $127,320 |
| 4 Persons (120% AMI) | $141,360 |
| 5 Persons (120% AMI) | $152,760 |
Homebuyers that meet income qualifications and plan to stay 5+ years in their new Vine City home can get $20,000 towards down payment & closing costs.
Structure
Homebuyers receive $20,000 toward the down payment and/or closing costs that is fully forgiven after living in the home for 5 years. This incentive can be used with a home renovation mortgage loan.
Requirements
Must qualify for a 30-year fixed rate FHA, VA, or conventional mortgage loan with an Invest Atlanta participating lender.
The minimum credit score requirement is determined by each participating lender.
This incentive requires a program fee of $1000 to cover the cost of education and ensure commitment to the 5 year minimum living requirement.
Must attend a special renovation education class by Resources for Residents & Communities or Committed to Communities.
For this incentive, homebuyers cannot exceed $35,000 in liquid assets.
Eligible Properties
- Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos.
- Property must be located within incentive boundaries: Donald L. Hollowell Pkwy to the north; Northside Dr to the east, Martin Luther King Jr. Dr. to the south; Joseph E. Lowery to the west.
- No Maximum Purchase Price.
Income Limits
| Household Size | Maximum Income |
|---|---|
| 1 person | $115,500 |
| 2 persons | $132,020 |
| 3 persons | $148,540 |
| 4 persons | $164,920 |
| 5 persons | $178,220 |
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