• GA Dream Program: Usually requires a 640 Credit Score

PROGRAM HIGHLIGHTS

7. 1. Slightly increased interest rate
8. 2. Must stay in home for 4 or 5 years or pay back a % of down payment
9. 3. Gives up to $5000 for down payment only
10. 4. Requires $1000 contribution of own money.
11. 5. Can buy anywhere in Georgia
12. 6. Go to a one day class

• Teacher Nextdoor Program for TEACHERS:  Usually requires a 640 Credit Score

PROGRAM HIGHLIGHTS

3. 1. No class
4. 2. Purchase ANY home on the market
5. 3. GRANTS up to $6,000. (Where available)
6. 4. Down Payment Assistance up to $10,681.00

• AHA’s Homeownership Program, Usually requires a 620 Credit Score

PROGRAM HIGHLIGHTS

3. 1. (8)-hours of a homebuyer education
4. 2. Have to buy in the city limits of Atlanta
5. 3. GRANTS up to $25,000.
6. 4. Cannot exceed 80% of the Area Median Income (AMI)
7. 5. Maximum sales/purchase price cannot exceed $250,000

4. 1. Go to a 90 minute Session
5. 2. Go to a one day class
6. 3. Have to buy in the city limits of Atlanta
7. 4. Must stay in home for 10 years or pay back a % of down payment
8. 5. $76,560 max income for household of 2
9. 6. Requires $1000 program fee.
10. 7. Gives up to $20,000 for down payment and closing cost

4. 1. Go to a 90 minute Session
5. 2. Go to a one day class
6. 3. Have to buy in the city limits of Atlanta
7. 4. Must stay in home for 5 years or pay back a % of down payment
8. 5. $51,040 max income for household of 2
9. 6. Gives up to $14,000 for down payment and closing cost

4. 1. Go to a 90 minute Session
5. 2. Go to a one day class
6. 3. Have to buy in the city limits of Atlanta
7. 4. $89,320 max income for Household of 2
8. 5. Grant is fully forgiven at closing.
9. 6. Gives a 3.5% grant to help with the down payment and closing costs

NACA Program. No Credit Score requirement. No current delinquencies on credit report.

HIGHLIGHTS

3. 1. No Down Payment
4. 2. No Closing cost
5. 3. Reduced interest rate
6. 4. Attend an Intro one day Class
7. 5. Meet counselor
8. 6. Can be time consuming depending upon credit and funds
9. 7. Location restrictions for higher income

4. 1. No Down Payment
5. 2. Approx 85k income limit
6. 3. Only homes in rural area

2. 1. Only Homes in Clayton, Cobb, DeKalb, Fulton, or Gwinnett County.
3. 2. Up to $20k down payment assistance
4. 3. Income Limit of $59,850
5. 4. Complete 8 hour Homebuyer Education Course
6. 5. Funds must be available.

4. 1. No Class
5. 2. Purchase ANY home on the market
6. 3. Bank pays 3% to 4% downpayment which covers all downpayment cost
7. 4. Slightly increased interest rate

4. 1. No Class
5. 2. Purchase ANY home on the market
6. 3. Buyer pays 3.5% Down
7. 4. Slightly increased interest rate

PROGRAM HIGHLIGHTS

1. 1. Active Duty, Reserve, National Guard or Veteran
2. 2. Purchase ANY home on the market
3. 3. The amount of the grant is determined by a 2-to-1 match of the borrower’s contribution to their mortgage in earnest deposit and cash brought at closing with a maximum grant of $5,000
4. 4. The borrower must contribute a minimum of $500
5. 5. Application conditional approvals may take up to 5 business days
6. 6. First-time home buyer, or you have not owned a home for the last three years
7. 7. Gross annual income of all applicants used to qualify for mortgage is no more than 80% of area median income