The down payment assistance programs that are listed here are a sample of what is available for homebuyers in Georgia. This can be your starting point as you search for the right program for your family. Home Purchase and Refinance Loans

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Neighborhood Works Columbus

Financial Assistance for Homebuyers in Georgia

Neighborhood Works Columbus offers homebuyers down payment assistance programs that provides a set amount of money to qualified homebuyers who meet program qualifications to help cover their down payment or closing costs. This program is affiliated with the Federal Home Loan Bank of Atlanta. 

 Available Assistance 
The Neighborhood Works Columbus offers two separate DPA programs to eligible applicants: 
NeighborWorks Columbus FHLB of Atlanta DPA Program: This program offers between $7,500 and $10,000 in down payment assistance with an annual household income less than 80% of area median income.   

The Federal HOME program: This program provides homebuyer assistance strictly based upon the applicant’s need and amounts vary depending on jurisdiction. To qualify for the program, the annual household income cannot exceed 80% of area median income for this program. NeighborWorks Columbus has been selected to provide home sales with down payment assistance in the City of Columbus. 

Income Limits:  
1-person household: $34,900 
2-person household: $39,900 
3-person household: $44,900 
4-person household: $49,850 
5-person household: $53,850 
6-person household: $57,850 
7-person household: $61,850 
8-person household: $65,850 


*Seller-funded down payment programs were eliminated in the Housing and Economic Recovery Act of 2008, but states and local government agencies are still permitted to help borrowers finance their homes with second mortgages and grants. These agencies set different requirements that a borrower needs to meet in order to qualify for the grant programs, such as property location, and purchase price, and income limits.   

Note: All figures mentioned above were accurate at the time of publication and may no longer be current. Visit the program website for updated information. 

Down payment assistance programs and/or grants were researched by the team at Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.'s compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

Down Payment Grants in Georgia

Augusta's Homeownership Assistance Program offsets the cost of upfront mortgage payments to help first-time homebuyers purchase a home in the Augusta-Richmond County.

The Department of Community Affairs in Georgia helps residents in particular counties finance their new homes through the Georgia Dream Homeownership Program. The program helps homebuyers afford decent housing by providing them with down payment assistance.

Down payment assistance funds are provided as a 5-year deferred payment loan with zero interest. As long as the homeowner remains the primary resident through the maturity date of the security deed, the lien is canceled and no payments are required. 

Neighborhood Works Columbus offers homebuyers a down payment assistance program that provides a set amount of money to qualified homebuyers to help them afford down payments on their homes.

Savannah's  Housing & Neighborhood Services Department offers different levels of down payment assistance to eligible applicants with the Dream Maker programs.

The Decide DeKalb Development Authority designed the WE DeKalb Program as an economic incentive to help employers in Atlanta attract and retain top talent by making homeownership in DeKalb County more affordable. 

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