See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 23, 2026
Homebuyer Programs in Alpharetta, GA (2026)
Alpharetta is a thriving city in north Fulton County within the Atlanta metropolitan area, known for its strong technology sector and excellent schools. With a median home price around $675,000, Alpharetta is one of the more expensive markets in Georgia, but buyers can still access meaningful assistance through several programs. The Fulton County Homeownership Program (HOP) offers up to $22,500 in forgivable down payment assistance for homes priced under $367,000, while ANDP provides $17,500 to $20,000 in forgivable loans for qualifying buyers across metro Atlanta. The Credit Union of Georgia offers up to $17,500 in down payment and closing cost assistance, and state-level programs like Georgia Dream provide up to $10,000 in additional help. By combining county, state, and nonprofit programs, eligible buyers purchasing below program price limits can stack significant assistance toward their Alpharetta home.
County Programs in Fulton County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Fulton County Homeownership Program (HOP) | Forgivable Loan | Up to 7.5% of sales price, not to exceed $22,500, for down payment, closing costs, and interest rate buydown assistance | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to 7.5% of sales price, not to exceed $22,500, for down payment, closing costs, and interest rate buydown assistance
- First-time only:
- Yes
State Programs in Georgia
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Grant | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Georgia Dream Homeownership Program | Deferred Loan | 5% of purchase price up to $10,000; 6% up to $12,500 for PEN (protectors, educators, nurses/health care, active military) and CHOICE (household member with a disability) borrowers | Yes | View → |
| Georgia Dream Peach Advantage Program | Deferred Loan | 2% to 5% of purchase price in down payment assistance, or 0% DPA option with a reduced first mortgage interest rate | No | View → |
| Georgia Dream Peach Plus Program | Deferred Loan | 3.5% of purchase price up to $10,000; 4% up to $12,500 for PEN (protectors, educators, nurses/health care, active military) and CHOICE (household member with a disability) borrowers | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- 5% of purchase price up to $10,000; 6% up to $12,500 for PEN (protectors, educators, nurses/health care, active military) and CHOICE (household member with a disability) borrowers
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- 2% to 5% of purchase price in down payment assistance, or 0% DPA option with a reduced first mortgage interest rate
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- 3.5% of purchase price up to $10,000; 4% up to $12,500 for PEN (protectors, educators, nurses/health care, active military) and CHOICE (household member with a disability) borrowers
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| ANDP FHLBank Atlanta Down Payment Assistance | Forgivable Loan | $17,500 to $20,000 for households at or below 80% AMI; $15,000 for households between 80.1-120% AMI (Workforce Housing Plus) | No | View → |
| Credit Union of Georgia First-Time Homebuyer Product | Grant | Up to $17,500 for down payment, closing costs, and principal reduction | Yes | View → |
| Habitat for Humanity North Central Georgia Homeownership Program | Zero-Interest Loan | Zero-interest mortgage on newly constructed Habitat home | Yes | View → |
| National Faith Homebuyers Down Payment Assistance | Forgivable Loan | $5,000 to $10,000 forgivable loan (amount varies by location) | No | View → |
- Type:
- Forgivable Loan
- Amount:
- $17,500 to $20,000 for households at or below 80% AMI; $15,000 for households between 80.1-120% AMI (Workforce Housing Plus)
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to $17,500 for down payment, closing costs, and principal reduction
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Zero-interest mortgage on newly constructed Habitat home
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- $5,000 to $10,000 forgivable loan (amount varies by location)
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most programs require household income at or below 80% of the area median income for Fulton County. The Fulton County HOP has a purchase price limit of $347,000 for existing homes and $367,000 for new construction, so focus your home search accordingly if using this program.
Step 2: Complete homebuyer education. The Fulton County HOP requires a minimum of 8 hours of pre-purchase housing counseling with a HUD-approved agency. Call (800) 569-4287 to find a HUD-approved counselor near Alpharetta.
Step 3: Contact a participating lender. For the Fulton County HOP, only a HOP participating lender can submit an application on your behalf. For Georgia Dream, contact a Georgia Dream participating lender. Visit fultoncountyga.gov or dca.georgia.gov for lender lists.
Step 4: Get pre-approved for a mortgage. Your lender will assess your credit, income, and debt-to-income ratio to determine how much home you can afford and which assistance programs you qualify for.
Step 5: Find a home within program limits. If using the Fulton County HOP, the home must be in Alpharetta and priced under $347,000 (existing) or $367,000 (new construction). Condos and townhomes in the area may fall within these limits. The home must be your primary residence.
Step 6: Submit your application. Your participating lender will submit the HOP application on your behalf. You can also email DownPayment.Assistance@fultoncountyga.gov for more information. For ANDP assistance, contact ANDP at (404) 420-1600.
Frequently Asked Questions
How much down payment assistance can I get in Alpharetta?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price to qualify for assistance in Alpharetta?+−
What homebuyer education is required?+−
Are there programs for buyers whose income is above 80% AMI?+−
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