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Statewide programGrant

Federal Home Loan Bank of Atlanta Workforce Housing Plus+

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ is a grant for homebuyers in Florida.

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The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Must work with a FHLBank Atlanta member financial institution to access grant.
  • A home in Florida

It doesn’t cover

  • Households above 120% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

120% of the area median income where the home is

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

Income limits in Florida

Where it applies

Florida’s homes

  • 54.7% single-family
  • 6.7% townhouse
  • 5.9% 2–4 units
  • 24.5% 5+ units
  • 8.2% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$359,000

Florida median home value

34%

built before 1980

U.S. Census Bureau, ACS 2024 5-year.

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minFederal Home Loan Bank of Atlanta Workforce Housing Plus+, explained

Questions about this program

What is Federal Home Loan Bank of Atlanta Workforce Housing Plus+?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ is a grant for homebuyers in Florida. FHLBank Atlanta Workforce Housing Plus+ provides grants for households earning 80.01%-120% AMI who are typically above income limits for standard DPA programs. 2026 allocation: $20M. Must work with FHLBank Atlanta member institution. Funding comes from Federal.

Do you have to pay it back?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required. Must work with a FHLBank Atlanta member financial institution to access grant.

What are the income limits?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ limits household income to 120% of the area median income, which varies by county and household size. Households earning 80.01%-120% AMI — specifically for moderate-income buyers above standard DPA limits. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ can be used for Single Family, Condo, and Townhouse.

Where does it apply?

Federal Home Loan Bank of Atlanta Workforce Housing Plus+ serves homebuyers purchasing anywhere in Florida.

How do you apply?

Applications for Federal Home Loan Bank of Atlanta Workforce Housing Plus+ go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Florida homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 88 programs for Florida

Program terms are set by the administering agency and can change; confirm on the official site before you apply.