Down Payment Assistance


Unlock homeownership with Down Payment Assistance programs

Saving for a down payment is one of the biggest challenges facing homebuyers today - especially first-time buyers. The good news? Thousands of down payment assistance programs are available nationwide to help reduce upfront costs and make homeownership more affordable. Whether you’re just starting your home search or getting close to making an offer, these programs could help you get the keys to your new home sooner than you think.

Our experienced team of loan officers can help you identify which down payment assistance program might be right for your family. We can even set the wheels in motion for your assistance application. 

CTA button: Contact us today to explore options.

Benefits of Down Payment Assistance

  • Reduced Upfront Costs: Lower your initial investment, making homeownership more accessible.
  • Increased Purchasing Power: Afford a home that better suits your needs.
  • Financial Flexibility: Preserve savings for emergencies or home improvements.
  • Homeownership Opportunities: Enter the housing market sooner than expected.
 

Down payment assistance programs provide eligible homebuyers with funds to cover down payments and sometimes closing costs. Assistance can come in various forms, including:

  • Grants: Money that doesn't need to be repaid.
  • Forgivable Loans: Loans that are forgiven if you meet certain criteria, such as living in the home for a set number of years.
  • Deferred Payment Loans: Loans that don't require repayment until you sell, refinance, or pay off your mortgage.
Our experienced team of loan officers can help you identify which down payment assistance program might be right for your family. We can even set the wheels in motion for your assistance application. 

Down payment assistance helps first-time homebuyers and low- to moderate-income buyers achieve homeownership. Eligibility depends on first-time homebuyer status, income, credit score and the location of the property.

With thousands of programs available nationwide, rely on the mortgage experts at Capital City Home Loans to help you find the down payment assistance option that best fits your needs.


















































































































































































Take the next step toward homeownership

Many homeowners rely on down payment assistance to help make their homeownership dreams a reality. With thousands of programs available nationwide, finding the best solution may feel daunting, but our seasoned mortgage consultants bring clarity and confidence to the process with deep knowledge and a client-first approach. We are skilled at matching buyers with the programs that deliver real value.

Following is a selection of proven options we routinely trust to support our clients and their families on their path to homeownership. 

Federal Home Loan Bank Grant - Matches your contribution with $4 for every $1 you put down, to a maximum of $5000. The grant is forgiven at a rate of 20% per year.

Georgia Dream - Provides $5,000 in down payment assistance, with a minimum contribution of $1,000.

Protectors | Educators | Nurses - Administered through Georgia Dream, this program provides up to $7,500 in down payment assistance for teachers, firefighters, nurses, policemen, EMTs, etc.

Gwinnett County Homestretch - Provides up to $7,500 in down payment assistance.

Tennessee Housing Development Agency - Provides up to 5% of the purchase price for down payment or closing costs.

North Carolina Housing Finance Agency - Offers up to $8,000 in down payment assistance in the form of interest-free, deferred second mortgages.

South Carolina State Housing Finance and Development Authority - Provides up to $4,000 in assistance.

Cobb County Housing Authority - Provides up to $20,000 in assistance.

Neighborhood Stabilization Program (NSP) - County and State specific program.

Florida Housing - Provides up to $7,500 in assistance.

Virginia Housing - Down payment assistance of up to 5% of the sales price.