Down Payment Assistance

See updated information about Training Webinars below.

Down Payment Assistance (DPA)

Purchasing a home from ANDP? Homebuyers may be eligible for up to:

$12,000 from ANDP's 1stGEN DPA program

$20,000 from ANDP's AHAP program

$15-20,000 from ANDP's FHLBank Atlanta DPA program

$15,000 from ANDP's HOME program

$15,000 from ANDP's Veterans program

Did you know?

In the last three years, 70% of qualifying ANDP homebuyers received DPA from ANDP, outside agencies, or both!
It is possible for qualifying homebuyers to layer DPA programs for multiple awards.
Buyers purchasing ANDP's homes in Atlanta often apply and receive DPA from Invest Atlanta ($20,000) and Atlanta Housing ($25,000).

Snapshot

See the table below for a quick overview of DPA available from ANDP. Click here to see our list of available homes and which programs/DPA apply to specific homes.

DETAILED DPA PROGRAM INFORMATION

Below is a summary of all assistance programs available through ANDP. A special note to potential homebuyers: Your lender and real estate professional can best help you navigate these program requirements. Most programs require that your lender apply on your behalf.

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 $17,500 and $20,000 in down payment assistance to qualifying homebuyers with a household income of less than 80% of the area median income, and $15,000 for those between 80.1-120% of area median income. These funds can be used to purchase an ANDP home or any other existing home in metro Atlanta and are 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).

ADDITIONAL DPA RESOURCES

Looking for down payment assistance? Visit www.DownPaymentResource.com for detailed information about assistance programs available in your area.
STATE - Georgia Dept of Community Affairs
- Georgia Dream
LOCAL - Your city or county may also have DPA funds. Here are a few we are a few examples.
Keep in mind that there are several types of homebuyer assistance programs. Visit this page to learn more.

HOUSEHOLD INCOME LIMITS TABLE

ANDP/FHLBank Atlanta DPA Program
Documentation & Application Portal

2025 FUNDING YEAR
The
Federal Home Loan Bank of Atlanta (FHLBank Atlanta) has announced funding for the 2025 calendar year.

FUNDING / PROGRAM ALERTS

We have received a record number of requests for down payment assistance. As of April 18, 2025, applications have exceeded our allotment of down payment assistance funding for all DPA products with this program (First-time Homebuyers, Community Partners, and Workforce Housing Plus). Applications are no longer being accepted. Should additional funding be made available, we will re-open the application portal below.
A. TRAINING WEBINAR RECORDINGS

1. FHLBank Atlanta's "Homeownership Programs Webinar for Loan Officers & Realtors" - 2/19/25 | Recording

2. ANDP/FHLBank Atlanta DPA Webinar (Required for Lenders) | Recording

3. All ANDP Home Purchase & DPA Programs | Slides
This is not the required ANDP/FHLBank webinar described above. This provides approved lenders with an overview of all ANDP programs.

B. GUIDELINES

1. Program Overview & Guidelines
2. Program Flyer

C. APPLICATION

Meanwhile, please review the two training webinar recordings below. Recording 1 below is the recording of FHLBank Atlanta's training webinar. Recording 2 is ANDP's required lender webinar for those who plan to apply for FHLBank Atlanta's DPA through ANDP. Item 3 is an overview of all ANDP home purchase and DPA programs.

"How Do I Apply"

Before accessing the application, watch this tutorial.

1. Click here to access the application portal. (See above)
2. Only lenders may apply on behalf of applicants.
3. No applications accepted for closing dates sooner than 28 calendar days of application submission.

D. REQUIRED DOCUMENTATION

Note: The linked documents below are also embedded in the application portal. Required documentation should be uploaded to the application portal. DO NOT EMAIL any documentation below to our team. All documentation should be uploaded to the application portal.

1. Two years of W-2s
2. Two years of IRS tax returns
3. Verification of Employment (VOE) or...
4. If no VOE, 60 Days of current, consecutive pay stubs
5. FHLB Intake Certification Form (AHP or WFH+)
6. Proof of Completion of HUD-approved, 8-Hour Homebuyer Education Course.
7. Proof of Completion of FHLB-required phone counseling session. Details will be provided in the conditional commitment letter if/when your applicant is approved for funding.

E. REQUIRED CHECKLISTS/FORMS
DO NOT EMAIL any documentation below to our team. All documentation should be uploaded to the application portal.

1. Mortgage Lender Checklist
2. Closing Attorney Checklist
3. Financing & Mortgages Calculation Form

F. ADDITIONAL DOCUMENTS (If Applicable)
DO NOT EMAIL any documentation below to our team. All documentation should be uploaded to the application portal.

1. Community Partner documentation for those applying for Community Partner DPA product (i.e. work/ID badge)

2. Self-Employed Income Cert - 80% AMI (AHP)

3. Self-Employed Income Cert - 120% AMI (WFH+)

4. Form 1084 (Fannie Mae Self-Employed Cash Flow Analysis

5. Social Security Award Letter

6. VA Certificate of Eligibility
7. Pension, Retirement, Veteran Benefits, or Annuity Statements dated within 12 months

8. Child Support Documentation

9. Alimony Documentation

10. Income from assets Documentation

11. Rental income Documentation

12. Earned Income for full-time students 18+.

G. RESOURCES

1. ANDP/FHLB DPA Program Overview & Guidelines
2. ANDP/FHLB DPA One-Page Flyer
3. FHLB AHP Income Calculator for AMI Calculation
4. FHLB AHP Income Documentation Requirements
5. AHP Pre/Post Funding Documentation Requirements
6. Credit Counseling Flyer - Money Management Int'l
7. Credit Counseling Flyer - Credit.org

H. PROGRAM GEOGRAPHY

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 dpa@andpi.org.