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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, and 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 the area median income.  These funds can be used to purchase an ANDP home or any other existing home and is available on a first-come-first-serve basis. This program is affiliated with the Federal Home Loan Bank of Atlanta.  MORE


  • HOME - The Federal HOME program provides homebuyer assistance based on the borrower's need, and amounts vary depending on the jurisdiction. Homebuyer's household income can not exceed 80% of the 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 time. Search here and select the "HOME Program" in the search field.

  • ANDP Homebuyer Assistance Program (AHAP) - This internal program is offered solely by ANDP, and is available only to select ANDP homes - including all Austin Walk Townhomes. The homebuyer assistance is in the form of a soft-second mortgage offered at zero percent interest with all payments deferred. The assistance helps lower the housing cost by providing a greater level of down payment and therefore reduces the mortgage amount. The assistance adds no expense to the monthly mortgage payment. The assistance provided with the zero percent second is not forgivable, but will not be due until the home is sold, transferred, or 40 years, whichever comes first. MORE



  • 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.


ANDP-FHLBank Atlanta DPA Program
Documentation & Application Portal
2023 Funding Year Begins
February 21, 2023.
  • Reminder, applications for DPA must be made by the LENDER on behalf of the buyer.
  • Lender webinar to be scheduled soon. 
  • General webinar for real estate professionals, housing counselors, and interested buyers to be scheduled separately from the more detailed lender webinar. 
  • Stay tuned.
  • Application link, forms, checklists, and documents below are being updated. 
The funding source for this program is the Federal Home Loan Bank of Atlanta's AHP set-aside program. As a member institution, ANDP has access to up to $500,000 in the funding year. 
  • ANDP DPA Program Overview - One-Pager
  • ANDP DPA Program Product Guidelines
Applications will resume when program funding from FHLB has been replenished.
Note: The application must be completed in one session. No saving work and returning later. 
Required Forms
  • Homebuyer Intake Certification Form
  • Finance & Mortgages Calculation Form
  • Mortgage Lender Checklist
  • Closing Attorney Checklist
Optional Forms, Tools, Resources
  • Zero Income Certification (If applicable)
  • Verification of Employment (If applicable)
  • AHP Income Calculator
  • Income Documentation Requirements
  • COVID Essential Workers
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
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