Fulton County Homeownership Program (HOP)
Assistance grant · Forgiven over 6 yrs · Income limit 80% of AMI
Single Family, Condo, Townhouse, New Construction
See details Jun 2026
Down payment assistance · Georgia
Buying a home in Fulton County, GA
3 county-wide programs, 2 cities with their own, plus 15 statewide and 62 nationwide.Fulton has 3 programs that cover the whole county and 2 cities with a program of their own. On top of those, 15 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in FultonAnywhere in Fulton County
3 programs for every Fulton address3 programs that cover every Fulton address
All 3 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Atlanta, Sandy Springs or Roswell can use them. All 3 are for first-time homebuyers and ask for a homebuyer class.
Fulton County HomeSaver Grant
Assistance grant · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jun 2026
Fulton Homeownership Program
Deferred second loan · Forgiven over 11 yrs · Income limit 80% of AMI
Single-Family, Townhome, Condo
See details Jun 2026
AMI is HUD’s area median income for Fulton, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Fulton cities with their own program
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
AtlantaCity page ATL Home Renovation AdvantageAtlanta Housing Down Payment AssistanceInvest Atlanta - ATL HomeNOWInvest Atlanta - Beltline Mortgage Assistance ProgramVine City Renaissance Initiative (VCRI)Atlanta Beltline Affordable HousingInvest Atlanta - ATL Home Renovation AdvantageInvest Atlanta - Perry Bolton Mortgage Assistance ProgramIntown Mortgage Assistance Program (IMAP)Perry Bolton Mortgage Assistance ProgramAtlanta - Vine CityCity page Invest Atlanta - Vine City Renaissance Initiative (VCRI)
The Fulton marketThe Fulton housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Fulton
- 45.9% single-familysingle-family
- 7.6% townhousetownhouse
- 5% 2–4 units2–4 units
- 41% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. All 3 county-wide programs and all 11 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fulton’s homes were built
pre-19401970s2020+
32.6%
of Fulton 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
HUD area median income, 4 people (FY2026)HUD area median income, Fulton County, 4-person household (FY2026)
$95,292
Median household income (ACS 2024 5-year)Median household income in Fulton (Census ACS 2024 5-year)
54.3%
of occupied homes are owner-occupied (Georgia: 65.7%)
The two income figures measure different things. HUD’s area median income is the one programs use. 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 in FultonFree help in Fulton
13 HUD-approved counseling agencies with an office in the county13 HUD-approved housing counseling agencies with an office in Fulton County
14 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 14 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Fulton County.
13 cities and placesA to Z
All cities in Fulton CountyAll 13 cities and places in Fulton County
has a program of its own
Fulton questions
Can I use a county program anywhere in Fulton?
The 3 county-wide programs cover homes anywhere in the county. City programs, like Atlanta’s and Atlanta - Vine City’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Fulton County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Fulton programs accept condos?
All 3 county-wide programs and all 11 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Fulton?
HUD-approved housing counseling agencies teach homebuyer classes, and 13 agencies have an office in Fulton County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.