First-Time Homebuyer Programs in Atlanta | Zero Down & Low Credit Options

Are you dreaming of owning your first home in the vibrant Atlanta metro area—including Sandy Springs, Roswell, Chamblee, Dunwoody, and Brookhaven—but worried about the down payment or your credit score? As a licensed real estate professional serving these communities, I’m here to tell you there’s good news. Several fantastic programs exist right now to help you unlock the door to homeownership, even if you have limited savings or less-than-perfect credit.

Georgia Dream Program: A Gateway to Your First Home
The renowned Georgia Dream Program offers 30-year fixed-rate loans with down payment assistance tailored for first-time buyers. With options for FHA, USDA, and conventional loans, Georgia Dream makes home buying accessible by providing low-interest rates and down payment help. You qualify if you meet income guidelines and take a homebuyer education course. Plus, the liquid asset limit is manageable—less than $20,000 or 20% of the purchase price.

Peach Advantage Loan: Expanded Assistance Made Simple
For those seeking FHA loans, the Georgia Dream Peach Plus and Peach Advantage programs unlock increased income and purchase price limits. Offering down payment assistance that can reach up to 5%, these programs help you secure a home with zero to low down payment options. The Peach Advantage even supports buyers looking in pricier neighborhoods around Atlanta.

Atlanta Housing Down Payment Assistance: Forgiveness with Residency
If you're looking to buy within the city of Atlanta, don’t miss out on Atlanta Housing’s program that provides up to $25,000 in no-interest loans. What’s better? This loan is forgiven after 10 years if you live in your home. With a credit score requirement as low as 620, it’s ideal for buyers who might worry about their credit history.

Local Tools for Homebuyers Across Metro Atlanta
Additional programs like Homestretch for Gwinnett County buyers and the Fulton Homeownership Program offer down payment help tailored to their residents. Neighborhood-specific initiatives, such as the Vine City Renaissance and Intown Mortgage Assistance programs, provide grants and loans to further reduce upfront costs.

Your Pathway to Homeownership
Together, these programs create a powerful support network for first-time buyers across Atlanta and its surrounding communities. Whether you're aiming for Sandy Springs, Roswell, Chamblee, Dunwoody, or Brookhaven, there are resources designed to help you overcome financial hurdles and credit challenges—putting homeownership within reach.

Whether your budget is tight or your credit isn’t perfect, you deserve to explore all the programs that can make owning a home possible. Let’s work together to get you into your dream home in Atlanta!

Click the contact button now to start your journey toward homeownership—because your dream home is closer than you think.