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Clayton County Down Payment Assistance

Clayton County, Georgia

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Assistance

$7,500

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Price cap

$270,000

Highest purchase price the program allows

Repayment

Forgivable

Forgiven after 5 years

What is Clayton County Down Payment Assistance?

Clayton County Down Payment Assistance is a forgivable loan for homebuyers in Clayton County, Georgia.

  • The Clayton County Down Payment Assistance Program provides eligible first-time homebuyers with up to $7,500 (or up to $10,000 for veterans, Clayton County employees, law enforcement, first responders, healthcare workers, and educators) in down payment assistance. The assistance is structured as a 0% interest soft second loan that is fully forgiven after 5 years ($7,500) or 10 years ($10,000) of owner-occupancy. Applicants must meet HUD income limits at 80% AMI or below, work with a HUD-certified lender, and complete an 8-hour HUD-approved homebuyer education class. The property must be located in Clayton County with a maximum purchase price of $270,000.
  • Up to $7,500 in forgivable 0% interest assistance for eligible first-time homebuyers at 80% AMI or below in Clayton County.
  • up to $10,000 for veterans/military spouses, Clayton County employees, law enforcement, first responders, healthcare workers, and educators.
  • loan fully forgiven after 5 years ($7,500) or 10 years ($10,000) of owner-occupancy.
  • maximum purchase price $270,000.
  • requires HUD-approved 8-hour homebuyer education class and HUD-certified lender.
  • Funding comes from Local Government.

How much assistance does it provide?

Clayton County Down Payment Assistance offers between $7,500 and $10,000 in assistance, depending on the award tier a buyer qualifies under.

  • Award tier “Standard” — up to $7,500. Who qualifies: All eligible first-time homebuyers at 80% AMI or below in Clayton County.
  • Award tier “Enhanced” — up to $10,000. Who qualifies: Veterans/military spouses, Clayton County employees, law enforcement, first responders, healthcare workers, and educators.
  • The program asks buyers to contribute $1,000.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Clayton County Down Payment Assistance is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale, No Longer Primary, and Transfer of Title.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Clayton County Down Payment Assistance is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Must not have owned a home in the past 3 years
  • The home is occupied as a primary residence
  • On credit: must meet lender minimum
  • A completed homebuyer education course
  • Residency: County Resident
  • Higher amounts for veterans/spouses, county employees, law enforcement, first responders, healthcare workers, educators

The program excludes

  • Purchases above the $270,000 price cap
  • Households above 80% 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.

What are the income limits?

Clayton County Down Payment Assistance limits household income to 80% of the area median income, which varies by county and household size.

  • The limit applies to total household income, not only the borrower’s.
  • 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?

Clayton County Down Payment Assistance caps the purchase price at $270,000.

  • Eligible property types include Single Family, Condo, Townhouse, and New Construction.
  • New construction is eligible.

Where does it apply?

Clayton County Down Payment Assistance serves buyers purchasing in Clayton County, Georgia.

How do you apply?

Applications for Clayton County Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site.

  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 buyer can take it to a lender or housing counselor.

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