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Down Payment Assistance  (DPA)

Understanding DPA

Unless you pay cash for a home's entire purchase price, 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.

A special note to potential homebuyers: These program requirements are best navigated by your real estate professional and/or lender. In the case of our "ANDP-FHLBank Atlanta DPA Program," your lender must apply on your behalf. All questions regarding the program should come from your lender and be sent to


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

Traditional DPA Programs

ANDP-FHLBank Atlanta DPA Program provides between $12,500 and $15,000 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 in metro Atlanta and is available on a first-come-first-serve basis. This program is affiliated with the Federal Home Loan Bank of Atlanta. Note that any homebuyer seeking these funds must have their lender apply on their behalf. The gray box on this page provides lenders with all necessary application information.

HOME - The Federal HOME program provides homebuyer assistance based on the borrower's need, and amounts vary depending on the jurisdiction. Homebuyers' household income can not exceed 80% of the area median income for this program. We typically have no more than 3-4 homes available in this program at any time. 

ANDP Homebuyer Assistance Program (AHAP) - This internal program is offered solely by ANDP and is available only to select ANDP homes. 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 down payment and reducing 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

Special Initiatives

(Homebuyer assistance, not traditional DPA)


ANDP Veterans Program - Provides up to $15,000 in homebuyer assistance to qualifying, honorably discharged Veterans, 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 to purchase any ANDP property. MORE


ANDP First Generation Homebuyer Program - Provides up to $12,000 in homebuyer assistance to qualifying homebuyers. Qualifying participants can use these funds to purchase any ANDP property. 


For purposes of the ANDP First-Generation Homebuyer Assistance Program, a “first-generation homebuyer” is: a homebuyer who grew up in foster care; a homebuyer whose parents have not owned a home; a homebuyer whose parents have lost their home; or a homebuyer who has lost their home.

Assistance provided comes in the form of seller contribution at closing. Next steps: Have your real estate agent contact our listing agent for any ANDP home and make an offer. Our agent will guide your agent through the simple application process. (See our list of homes for sale). 



ANDP/FHLBank Atlanta DPA Program
Documentation & Application Portal

NOTE: The LENDER must make applications for the ANDP/FHLBank Atlanta DPA program on behalf of the buyer. This program is open to all lenders (not just ANDP's "Approved Lenders"). Those lenders wishing to participate must watch the training video and review the Program & Product Guidelines below. 

The funding source for this program is the FHLBank of Atlanta's AHP Set-Aside Program. As a member institution, ANDP has access to up to $750,000 in the funding year. 
Available Funding as of 4/24/2024:
Total Program: $23.5 million
Available to ANDP program: $465,000
Online Application
  • New in 2024: Applicants must first enter the closing date before being allowed to proceed. Start here.
  • Reminder: The application must be completed in one session. The online application form does not allow saving work and returning later. 
Required Forms (Updated for 2024)
*As Applicable
Lenders: Note that the application will ask for these forms as attachments to the application.
 Resources (Updated for 2024)
  •  Lender Training: How to apply to ANDP's FHLBank Atlanta-affiliated DPA program. (Recorded 1/25/24)

  • Webinar: All ANDP Home Purchase and DPA programs

    • Recording 

    • If prompted for password, use: ap!n0p^9

    • Slides

    • Updated February 21, 2024

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.
Questions regarding this program should come from the buyer's lender. Send questions to

Note: For those applying for our FHLBank Atlanta-affiliated DPA program, please use the Income Calculator from FHLBank. 

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