Forgivable loan
ATL Home Renovation Advantage
Income limits · Single-Family · 2-4 Unit · Townhome
Down payment assistance · Fulton County
Buying a home in Atlanta, GA
10 Atlanta programs, 3 county programs and 16 statewide.Atlanta has 10 programs of its own, 3 more across Fulton County, and 16 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Atlanta addresses
Atlanta’s own programs
Forgivable loan
Atlanta Housing Down Payment Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Forgivable loan
Invest Atlanta - ATL HomeNOW
Income limits · Single Family · Condo · Townhouse
Forgivable loan
Invest Atlanta - Beltline Mortgage Assistance Program
Income limits · Single Family · 2-4 Unit · Townhouse
Forgivable loan
Vine City Renaissance Initiative (VCRI)
Income limits · Single-Family · 2-4 Unit · Townhome
Forgivable loan
Atlanta Beltline Affordable Housing
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Forgivable loan
Invest Atlanta - ATL Home Renovation Advantage
Income limits · Single Family · 2-4 Unit · Townhouse
Forgivable loan
Invest Atlanta - Perry Bolton Mortgage Assistance Program
First-time homebuyers · Income limits · Single Family · 2-4 Unit · Townhouse
Forgivable loan
Intown Mortgage Assistance Program (IMAP)
Income limits · Single-Family · Townhome · Condo
Forgivable loan
Perry Bolton Mortgage Assistance Program
Income limits · Single-Family · 2-4 Unit · Townhome
Anywhere in FultonAnywhere in Fulton County
3 county programs3 county programs a Atlanta homebuyer can also use
1 more program is for homes in Atlanta - Vine City. See them 1 program in neighboring cities — for homes inside those cities, not Atlanta
- Atlanta - Vine City — Invest Atlanta - Vine City Renaissance Initiative (VCRI)
The Atlanta marketThe Atlanta housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Atlanta
- 35.6% single-familysingle-family
- 5.8% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 52.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. All 13 of Atlanta’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Atlanta’s homes were built
pre-19401970s2020+
42.7%
of Atlanta homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$117,800
County area median income, 4 people (HUD)HUD area median income, Fulton County, 4-person household (2026)
$85,652
Atlanta median household incomeMedian household income in Atlanta (Census, 2024)
27 of the 91 programs here set their income limit as a share of Fulton County’s area median income, adjusted for household size. See the published limits for Fulton County
Free help nearbyFree help near Atlanta
23 HUD-approved counseling agencies within 15 miles23 HUD-approved housing counseling agencies within 15 miles
13 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 13 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Georgia and nationwide
78 statewide & federal programs16 statewide programs, plus federal options
Atlanta questions
Does Atlanta have its own down payment program?
Yes, 10: ATL Home Renovation Advantage, Atlanta Housing Down Payment Assistance, Invest Atlanta - ATL HomeNOW, Invest Atlanta - Beltline Mortgage Assistance Program, Vine City Renaissance Initiative (VCRI), Atlanta Beltline Affordable Housing, Invest Atlanta - ATL Home Renovation Advantage, Invest Atlanta - Perry Bolton Mortgage Assistance Program, Intown Mortgage Assistance Program (IMAP) and Perry Bolton Mortgage Assistance Program. Each is for homes inside Atlanta.
Can I use assistance on a condo in Atlanta?
All 13 of Atlanta’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Fulton County?
Each program sets its own. 27 of the programs here set theirs as a share of HUD’s area median income for Fulton County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Atlanta?
HUD-approved housing counseling agencies teach homebuyer classes, and 23 agencies are within 15 miles of Atlanta. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
30301 · 30302 · 30303 · 30304 · 30305 · 30306 · 30307 · 30308 · 30309 · 30310 · 30311 · 30312 · 30313 · 30314 · 30315 · 30316 · 30317 · 30318 · 30319 · 30320 · 30321 · 30322 · 30324 · 30325 · 30326 · 30327 · 30328 · 30329 · 30330 · 30331 · 30332 · 30333 · 30334 · 30336 · 30337 · 30338 · 30339 · 30340 · 30341 · 30342 · 30343 · 30344 · 30345 · 30346 · 30347 · 30348 · 30349 · 30350 · 30353 · 30354 · 30355 · 30356 · 30357 · 30358 · 30359 · 30360 · 30361 · 30362 · 30364 · 30366 · 30368 · 30369 · 30370 · 30371 · 30374 · 30375 · 30376 · 30377 · 30378 · 30379 · 30380 · 30384 · 30385 · 30386 · 30387 · 30388 · 30389 · 30390 · 30392 · 30394 · 30396 · 30398 · 30399 · 31106 · 31107 · 31119 · 31126 · 31131 · 31139 · 31141 · 31145 · 31146 · 31150 · 31156 · 31191 · 31192 · 31193 · 31195 · 31196 · 31197 · 31198 · 31199 · 39901
Nearby in Fulton
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.