Down Payment Assistance  (DPA)

Understanding DPA

Unless you are paying cash for the entire purchase price of a home, you will most likely need a mortgage loan. Mortgage loans require the homebuyer to pay a portion of the home purchase price at closing. This "down payment" amount varies based on the lender and the loan product you select (FHA, VA, Conventional, or a lender's in-house loan, typically called a "portfolio product").


Down payment assistance programs are available from nonprofit organizations, local, state, and federal agencies. They can be administered by a local or state housing authority, a nonprofit organization, or directly through your lender. These organizations provide a set amount of money to qualified homebuyers. Homebuyers who meet program qualifications and requirements can use the money to cover their down payment and/or closing costs.

Below you will find a summary of all assistance programs available through ANDP.

DPA available through ANDP



Keep in mind that each program is different and has different program qualifications and requirements. See a side-by-side comparison of all ANDP-related programs here


  • ANDP-FHLBank Atlanta DPA Program provides between $7,500-$10,000 in down payment assistance to qualifying homebuyers with a household income of less than 80% of area median income.  These funds can be used to purchase an ANDP home or any other existing home. This program is affiliated with the Federal Home Loan Bank of Atlanta.  MORE


  • HOME - The Federal HOME program provides homebuyer assistance strictly based upon the borrower's need and amounts vary depending on the jurisdiction. Homebuyer's household income can not exceed 80% of area median income for this program. ANDP has been selected to provide home sales with down payment assistance in the City of Atlanta and DeKalb, Fulton, and Gwinnett counties. We typically have no more than 6-8 homes available in this program at any given time. Search here and select the "HOME Program" in the search field.



  • ANDP Veterans Program - Provides up to $7,500 in homebuyer assistance to any honorably discharged veteran, active-duty military personnel, reserve member, guard member, or Gold Star family member. Assistance provided comes in the form of seller contribution at closing. Qualifying participants can use these funds only for the purchase of an ANDP property.

  • Home South DeKalb Initiative - In an effort to increase access to quality affordable housing and improve quality of life conditions in South DeKalb County, ANDP launched a 3-year, $20 million initiative - Home South DeKalb. As a part of this effort. Healthcare Workers, First Responders, Military, Teachers, and DeKalb County government employees who purchase a home from ANDP in South DeKalb can receive up to $7,500 in homebuyer assistance. Search here and select "DeKalb" in the "Jurisdiction" search field.  MORE


ANDP-FHLBank Atlanta DPA Program
Documentation & Application Portal
2022 Funding Notice: 
Please note that we have received word that funding for this program will not be open until March 7. We will share more detailed information as it is available. (1/4/2022)
ANDP DPA Program Overview - One-Pager
ANDP DPA Program Product Guidelines
Applications are currently closed. 
Required Forms
Optional Forums & Tools
Lenders: Note the application will ask for these forms as attachments to the application.
This program is available to qualifying homebuyers purchasing homes located in the 29-county Atlanta MSA area. Counties include Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, and Walton.
Additional DPA Tips