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Down payment assistance income limits in Georgia

51 down payment assistance programs in Georgia publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Georgia county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Georgia
CountyPublished4-person median
Appling2026$59,500
Atkinson2026$52,900
Bacon2026$62,200
Baker2026$56,300
Baldwin2026$75,400
Banks2026$94,900
Barrow2026$117,800
Bartow2026$117,800
Ben Hill2026$54,100
Berrien2026$72,000
Bibb2026$74,400
Bleckley2026$80,300
Brantley2026$92,100
Brooks2026$82,600
Bryan2026$107,300
Bulloch2026$68,500
Burke2026$90,400
Butts2026$81,200
Calhoun2026$68,000
Camden2026$88,600
Candler2026$73,900
Carroll2026$117,800
Catoosa2026$97,400
Charlton2026$70,700
Chatham2026$107,300
Chattahoochee2026$85,800
Chattooga2026$62,300
Cherokee2026$117,800
Clarke2026$100,100
Clay2026$77,200
Clayton2026$117,800
Clinch2026$76,900
Cobb2026$117,800
Coffee2026$64,200
Colquitt2026$63,900
Columbia2026$90,400
Cook2026$69,600
Coweta2026$117,800
Crawford2026$74,400
Crisp2026$63,300
Dade2026$97,400
Dawson2026$117,800
Decatur2026$68,300
Dekalb2026$117,800
Dodge2026$70,300
Dooly2026$74,700
Dougherty2026$71,200
Douglas2026$117,800
Early2026$64,400
Echols2026$82,600
Effingham2026$107,300
Elbert2026$80,200
Emanuel2026$63,500
Evans2026$63,100
Fannin2026$69,900
Fayette2026$117,800
Floyd2026$86,500
Forsyth2026$117,800
Franklin2026$67,500
Fulton2026$117,800
Gilmer2026$86,900
Glascock2026$81,000
Glynn2026$92,100
Gordon2026$78,500
Grady2026$78,200
Greene2026$111,800
Gwinnett2026$117,800
Habersham2026$84,300
Hall2026$102,000
Hancock2026$60,500
Haralson2026$91,500
Harris2026$85,800
Hart2026$81,600
Heard2026$117,800
Henry2026$117,800
Houston2026$99,100
Irwin2026$74,300
Jackson2026$114,200
Jasper2026$117,800
Jeff Davis2026$51,500
Jefferson2026$71,800
Jenkins2026$56,100
Johnson2026$65,800
Jones2026$74,400
Lamar2026$91,700
Lanier2026$82,600
Laurens2026$74,000
Lee2026$71,200
Liberty2026$71,000
Lincoln2026$69,700
Long2026$79,700
Lowndes2026$82,600
Lumpkin2026$96,200
Macon2026$64,500
Madison2026$100,100
Marion2026$85,800
Mcduffie2026$90,400
Mcintosh2026$92,100
Meriwether2026$72,100
Miller2026$70,000
Mitchell2026$71,800
Monroe2026$109,800
Montgomery2026$68,000
Morgan2026$100,900
Murray2026$81,900
Muscogee2026$85,800
Newton2026$117,800
Oconee2026$100,100
Oglethorpe2026$100,100
Paulding2026$117,800
Peach2026$95,200
Pickens2026$117,800
Pierce2026$83,700
Pike2026$117,800
Polk2026$72,500
Pulaski2026$72,200
Putnam2026$95,500
Quitman2026$68,600
Rabun2026$89,200
Randolph2026$43,600
Richmond2026$90,400
Rockdale2026$117,800
Schley2026$76,500
Screven2026$73,600
Seminole2026$74,400
Spalding2026$117,800
Stephens2026$73,700
Stewart2026$62,700
Sumter2026$52,800
Talbot2026$56,500
Taliaferro2026$57,800
Tattnall2026$69,100
Taylor2026$60,800
Telfair2026$66,500
Terrell2026$71,200
Thomas2026$89,800
Tift2026$74,700
Toombs2026$64,600
Towns2026$78,700
Treutlen2026$75,400
Troup2026$76,100
Turner2026$60,200
Twiggs2026$74,400
Union2026$89,200
Upson2026$76,000
Walker2026$97,400
Walton2026$117,800
Ware2026$60,300
Warren2026$58,800
Washington2026$65,800
Wayne2026$68,400
Webster2026$65,100
Wheeler2026$59,000
White2026$92,800
Whitfield2026$83,000
Wilcox2026$68,500
Wilkes2026$68,500
Wilkinson2026$62,700
Worth2026$71,200

Published limits by program

Published income limits and purchase price caps by program in Georgia
ProgramIncome limitPrice cap
ANDP-FHLBank Atlanta DPA Program29-county Atlanta MSA120% of area median incomeFTHB and Community Partner products: up to 80% AMI. Workforce Housing Plus: 80.1%–120% AMI. Income limits calculated by FHLBank Atlanta using HUD area median income data for the 29-county Atlanta MSA.—
Athens-Clarke County Housing Authority DPAAthens · Clarke115% of area median incomeHousehold income must be between 80% and 115% of the Athens-Clarke County Area Median Income (AMI).—
ATL Home Renovation AdvantageAtlanta · Fulton$148,080Income limit by household size: 1p $96,000; 2p $109,680; 3p $123,360; 4p $137,040; 5p $148,080. Tied to 120% AMI for the Atlanta MSA.$428,000
Atlanta Beltline Affordable HousingAtlanta · Fulton80% of area median income$375,000
Atlanta Housing Down Payment AssistanceAtlanta · Fulton80% of area median income$375,000
Augusta Homeownership Assistance ProgramAugusta · Richmond80% of area median income—
City of Savannah Employee Home Purchase AssistanceSavannah · ChathamSee programNo published household income limit; eligibility is restricted to City of Savannah employees below department head level.—
Clayton County Down Payment AssistanceClayton80% of area median income$270,000
Cobb County My Home Down Payment AssistanceCobbSee programFHA/VA: $159,880; Conventional (Freddie Mac HFA Advantage): $149,240—
Conventional 97 LoansSee programNo income limit for Standard 97/HomeOne; 80% AMI limit for HomeReady (Fannie Mae) and Home Possible (Freddie Mac)—
Douglas County Housing PartnershipDouglas80% of area median income—
Down-Payment Assistance ProgramCanton · Cherokee80% of area median incomeHousehold income at or below 80% of HUD AMI for Atlanta-Sandy Springs-Roswell MSA. By household size approximately: 1p $60,200; 4p $85,950; 8p $113,550. Lower 30%/50% AMI tiers also exist for smaller households (e.g., 1p extremely-low-income tier ~$21,500). For a family of four in Canton the 80% AMI income limit is approximately $86,000 (per City Council reporting; verify current limits).$1.4M
Downpayment Assistance ProgramAugusta · Richmond80% of area median incomeTotal annual household income cannot exceed 80% of HUD Area Median Income for Augusta-Richmond County (FY2025): 1p $49,500; 2p $56,550; 3p $63,600; 4p $70,650; 5p $76,350; 6p $82,000; 7p $87,650; 8p $93,300. Household income includes wages, salaries, government and non-government benefits, court-ordered child support, alimony, and stock dividends of all household members listed on application (including employed children).$253,000
DreamMaker Home Purchase AssistanceSavannah · Chatham80% of area median incomeHousehold income must be at or below 80% AMI for the Savannah, GA MSA / Chatham County (FY2025 HUD Section 8 limits, effective 6/1/2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. (Internal seed range $69,750-$131,565 reflected DCA Georgia Dream targeting and DreamMaker tier work-around; the binding HUD limit governs DreamMaker eligibility.)$255,000
First Generation HomebuyerMultiple120% of area median incomeTotal household income must be below 120% of AMI for the Atlanta-Sandy Springs-Roswell MSA. Approximate range by household size: 1p $63,950 — 8p+ $180,900. ANDP publishes a current household-size table on the program page.—
Fulton County Homeownership Program (HOP)Fulton80% of area median income$347,000
Fulton County HomeSaver GrantFulton80% of area median income$350,000
Fulton Homeownership ProgramFulton80% of area median incomeHousehold income must be at or below 80% of HUD HOME Income Limits for Fulton County / Atlanta MSA. Approximate by household size: 1p $63,650; 4p $90,900; 8p $120,600. Updated annually by HUD.$367,000
Georgia Dream Homeownership Program80% of area median incomeEffective 7/1/2025: 1-2 persons $130,290; 3+ persons $149,833 (statewide, per GA DCA)$425,000
Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)Statewide · Statewide$149,833Georgia Dream uses tax-exempt bond income limits that vary by county/MSA and household size. Effective 2025-10-23 example limits: 1-2 person household $84,500 (most counties) up to $130,290 (Atlanta MSA); 3+ person household $97,175 (most counties) up to $149,833 (Atlanta MSA). Targeted areas have higher limits. See DCA maximum income/sales price chart.$550,000
Georgia Dream Homeownership Program (CHOICE)Statewide · Statewide$149,833Georgia Dream uses tax-exempt bond income limits that vary by county/MSA and household size. Effective 2025-10-23 example limits: 1-2 person household $84,500 (most counties) up to $130,290 (Atlanta MSA); 3+ person household $97,175 (most counties) up to $149,833 (Atlanta MSA). Targeted areas have higher limits. See DCA maximum income/sales price chart.$550,000
Georgia Dream Homeownership Program (STANDARD)Statewide · Statewide$149,833Georgia Dream uses tax-exempt bond income limits that vary by county/MSA and household size. Effective 2025-10-23 example limits: 1-2 person household $84,500 (most counties) up to $130,290 (Atlanta MSA); 3+ person household $97,175 (most counties) up to $149,833 (Atlanta MSA). Targeted areas have higher limits. See DCA maximum income/sales price chart.$550,000
Georgia Dream Peach Plus150% of area median incomeUp to 150% AMI; income limits vary by county and household size. Peach Plus has higher income limits than the Standard Georgia Dream program. See GA DCA website for current county-by-county limits.$541,287
Gwinnett County Homestretch ProgramGwinnett80% of area median income80% AMI. FY2025 limits: 1-person $63,980; 2-person $73,120; 3-person $82,240; 4-person $91,360; 5-person $98,680; 6-person $106,000; 7-person $113,320; 8-person $120,600.$349,000
Habitat for Humanity - Gwinnett/WaltonGwinnett, Walton80% of area median income30%-80% AMI depending on household size and county—
Habitat for Humanity - North Central GeorgiaCherokee, Forsyth, Dawson, North Fulton80% of area median income—
Hall County Homestretch ProgramHall120% of area median income—
HAVEN Pilot Program120% of area median income—
Homeownership ProgramSavannah · Chatham80% of area median incomeHousehold income must fall between 35% and 80% AMI for Chatham County (Savannah, GA MSA), per HUD limits. FY2025 80% AMI by household size: 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. Applicant must show income between 35% and 80% AMI; insufficient income (below 35%) means inability to repay; above 80% disqualifies for Habitat program (referral to other programs).—
Homestretch Down Payment Assistance ProgramGwinnett80% of area median incomeHousehold income at or below 80% of HUD HOME Income Limits for Atlanta MSA. Approximate by household size: 1p $60,200; 2p $68,800; 3p $77,400; 4p $85,950; 8p $113,550.$410,000
Intown Mortgage Assistance Program (IMAP)Atlanta · Fulton$139,320Income limit by household size approximately: 1p $90,360; 2p $103,260; 3p $116,160; 4p $129,000; 5p $139,320 (tied to 120% AMI for Atlanta MSA; verify current limits with Invest Atlanta).$385,000
Invest Atlanta - ATL Home Renovation AdvantageAtlanta · Fulton120% of area median income120% AMI. 1 person: $99,000; 2 persons: $113,160; 3 persons: $127,320; 4 persons: $141,360; 5 persons: $152,760.$450,000
Invest Atlanta - ATL HomeNOWAtlanta · Fulton120% of area median income120% AMI. 1 person: $99,000; 2 persons: $113,160; 3 persons: $127,320; 4 persons: $141,360; 5 persons: $152,760.—
Invest Atlanta - Beltline Mortgage Assistance ProgramAtlanta · Fulton140% of area median income120% AMI — 1 person: $99,000; 2 persons: $113,160; 3 persons: $127,320; 4 persons: $141,360; 5 persons: $152,760. 140% AMI — 1 person: $115,500; 2 persons: $132,020; 3 persons: $148,540; 4 persons: $164,920; 5 persons: $178,220.—
Invest Atlanta - Perry Bolton Mortgage Assistance ProgramAtlanta · Fulton120% of area median income80% AMI — 1 person: $66,000; 2 persons: $75,440; 3 persons: $84,880; 4 persons: $94,240; 5 persons: $101,840. 120% AMI — 1 person: $99,000; 2 persons: $113,160; 3 persons: $127,320; 4 persons: $141,360; 5 persons: $152,760.$300,000
Invest Atlanta - Vine City Renaissance Initiative (VCRI)Atlanta - Vine City · Fulton140% of area median income140% AMI. 1 person: $115,500; 2 persons: $132,020; 3 persons: $148,540; 4 persons: $164,920; 5 persons: $178,220.—
Macon Mortgage Assistance ProgramMacon · Macon80% of area median income$385,000
Memorial HCA Team Member Home Purchase AssistanceSavannah · Chatham80% of area median incomeHousehold income restrictions apply per City of Savannah HOME-program standards (80% AMI for Savannah MSA, FY2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250.—
National Faith HomeBuilders DPAFulton, DeKalb, Gwinnett, Cobb, Clayton, Coweta, Douglas, Fayette, Henry150% of area median income$325,000
NeighborWorks Columbus DPAColumbus · Muscogee80% of area median income—
Peach Advantage Loan ProgramStatewide · Statewide150% of area median incomeUp to 150% of Area Median Income per Fannie Mae and Freddie Mac AMI Lookup Tools by property census tract. Atlanta MSA AMI is approximately $112,400 (4-person 100%); 150% AMI threshold therefore approaches $168,600 - $224,750 depending on property location.$650,000
Peach Plus Loan Program (Choice)Statewide · Statewide150% of area median incomeUp to 150% of Area Median Income per Fannie Mae and Freddie Mac AMI Lookup Tools by property census tract. Atlanta MSA AMI is approximately $112,400 (4-person 100%); 150% AMI threshold approaches $168,600 - $224,750 depending on property location.$650,000
Peach Plus Loan Program (PEN)Statewide · Statewide150% of area median incomeUp to 150% of Area Median Income per Fannie Mae and Freddie Mac AMI Lookup Tools by property census tract. Atlanta MSA AMI is approximately $112,400 (4-person 100%); 150% AMI threshold approaches $168,600 - $224,750 depending on property location.$650,000
Peach Plus Loan Program (Standard)Statewide · Statewide150% of area median incomeUp to 150% of Area Median Income per Fannie Mae and Freddie Mac AMI Lookup Tools by property census tract. Atlanta MSA AMI is approximately $112,400 (4-person 100%); 150% AMI threshold approaches $168,600 - $224,750 depending on property location.$650,000
Peach Select VA Loan ProgramStatewide · Statewide$149,833Same as Georgia Dream Standard - bond-tier income limits vary by county/MSA and household size. Effective 2025-10-23: 1-2 person household up to $84,500 (most counties) or $130,290 (Atlanta MSA); 3+ person up to $97,175 (most counties) or $149,833 (Atlanta MSA).$550,000
Perry Bolton Mortgage Assistance ProgramAtlanta · Fulton$148,080Two-tier income limits. 80% AMI tier (for $20,000): 1p $64,000; 2p $73,120; 3p $82,240; 4p $91,360; 5p $98,720. 120% AMI tier (for $10,000): 1p $96,000; 2p $109,680; 3p $123,360; 4p $137,040; 5p $148,080.$300,000
St. Joseph's/Candler Team Member Home Purchase AssistanceSavannah · Chatham80% of area median incomeHousehold income restrictions apply per City of Savannah HOME-program standards (80% AMI for Savannah MSA, FY2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250.—
Sweet Home ColumbusColumbus · Muscogee80% of area median incomeHousehold income cannot exceed 80% AMI for Columbus, GA-AL HUD Metro FMR Area (effective April 1, 2025): 1p $43,150; 2p $49,300; 3p $55,450; 4p $61,600; 5p $66,550; 6p $71,500; 7p $76,400; 8p $81,350.—
USDA Rural Housing Site Loans80% of area median incomeSection 523: 100% of families served must be at or below 80% AMI; minimum 40% must be at or below 50% AMI. Section 524: Low- and moderate-income families (up to 115% AMI). Income limits vary by county and household size; contact local USDA Rural Development office for current limits.—
USDA Single Family Housing Direct Home Loans80% of area median incomeVery low-income (below 50% AMI) and low-income (50-80% AMI) households. At least 40% of program funds must serve very low-income applicants. Income limits vary by county; verify current limits at eligibility.sc.egov.usda.gov.—
Vine City Renaissance Initiative (VCRI)Atlanta · Fulton140% of area median incomeIncome limit by household size: 1p $112,000; 2p $127,960; 3p $143,920; 4p $159,880; 5p $172,760. Tied to 140% AMI for the Atlanta MSA.—

Questions, answered

What are the income limits for down payment assistance in Georgia?

51 down payment assistance programs in Georgia publish an income limit, a purchase price cap, or both. 41 express the limit as a percentage of the area median income for the county where the home is, and 22 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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