Down-Payment Assistance programs in Georgia and all over the Southeast can help start the homeownership journey for many people who may not otherwise be able to afford it. 

Buying a new home and savings up thousands of dollars can feel like an insurmountable hurdle for many people. Yet homeownership is the best way for most people to build wealth for themselves and their families. Capital City Home Loans offers multiple down-payment assistance programs for our clients in Georgia and in many other Southeastern states.

Down-Payment Assistance Programs:

Georgia Dream

The Georgia Department of Community Affairs offers the Georgia Dream program to help homebuyers with their down-payment. There are multiple programs, and Public Safety, Education, and Nursing workers can all get a higher dollar amount towards the cost of their home. This program has annual income limits and some strict underwriting guidelines, but can be a good fit for certain people.

100% FHA Financing

Capital City offers a specialty 100% FHA loan that includes a 96.5% first mortgage and 3.5% second mortgage. This program has no annual income limits, but does come with a higher interest rate than traditional FHA loans.

CCHL 100% Community Mortgage

This in-house down-payment assistance mortgage is geographically and income restricted, but can finance up to 100% of the purchase price of your home with no mortgage insurance.

There is an ever-changing market for down-payment assistance loans than can help you purchase your first home with little to no money down. Capital City Home Loans may have other options for you as well, so contact me today to discuss program availability.