Homebuyer Programs in Dunwoody, GA (2026)
Dunwoody is an established city in northern DeKalb County within the Atlanta metropolitan area, known for its proximity to Perimeter Mall, the Dunwoody Village shopping district, and major employers along the GA-400 and I-285 corridors. With a median home price around $650,000, Dunwoody is a higher-priced market where assistance programs can make a meaningful difference for qualifying buyers. The WE DeKalb DPA Program offers a non-repayable grant of up to 3% of the mortgage amount with no first-time buyer requirement, which on a $650,000 home could provide up to $19,500. The DeKalb County First-Time Homebuyer Program provides up to $8,000 as a forgivable loan, and ANDP offers $17,500 to $20,000 in forgivable assistance across metro Atlanta. State programs like Georgia Dream add up to $10,000, and the Georgia Dream Peach Advantage provides 2% to 5% in additional help. Condos and townhomes in the Dunwoody area can fall within program price limits, offering an entry point into this desirable community.
Top Homebuyer Programs in Dunwoody
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| DeKalb County First-Time Homebuyer Program | Forgivable Loan | Up to $8,000 for down payment assistance; additional $3,000 bonus available for borrowers who improve FICO score from below 620 to 620 or above within 12 months | Yes | View → |
| WE DeKalb DPA Program | Grant | 1%, 2%, or 3% of initial mortgage principal balance as a non-repayable down payment assistance grant | No | View → |
| 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 → |
| 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+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| 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 DeKalb Homeownership Program | Zero-Interest Loan | Affordable mortgage on newly built or renovated Habitat home | No | View → |
| National Faith Homebuyers Down Payment Assistance | Forgivable Loan | $5,000 to $10,000 forgivable loan (amount varies by location) | No | View → |
| Georgia Dream Homeownership Program | Deferred Loan | Up to $10,000 (5% of purchase price); up to $12,500 (6%) for protectors, educators, nurses (PEN) and families with a disabled member (CHOICE) | 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 | Up to $10,000 (3.5% of purchase price); up to $12,500 (4%) for PEN and CHOICE qualifying buyers | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $8,000 for down payment assistance; additional $3,000 bonus available for borrowers who improve FICO score from below 620 to 620 or above within 12 months
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- 1%, 2%, or 3% of initial mortgage principal balance as a non-repayable down payment assistance grant
- First-time only:
- No
- 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:
- 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:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- 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:
- Affordable mortgage on newly built or renovated Habitat home
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- $5,000 to $10,000 forgivable loan (amount varies by location)
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000 (5% of purchase price); up to $12,500 (6%) for protectors, educators, nurses (PEN) and families with a disabled member (CHOICE)
- 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:
- Up to $10,000 (3.5% of purchase price); up to $12,500 (4%) for PEN and CHOICE qualifying buyers
- First-time only:
- No
How to Apply
- Step 1:
Check your eligibility. The DeKalb County First-Time Homebuyer Program requires household income below 80% of HUD Median Income for DeKalb County. The WE DeKalb program has its own income and loan limits but does not require first-time buyer status. Georgia Dream income limits are $130,290 (1-2 persons) or $149,833 (3+ persons).
- Step 2:
Complete homebuyer education. The DeKalb County program requires a HUD-certified first-time homebuyer education course for all household members 18 and older. Georgia Dream also requires homebuyer education. Call (800) 569-4287 to find a HUD-approved counselor near Dunwoody or visit thehubga.org.
- Step 3:
Get pre-approved by a participating lender. For the WE DeKalb program, contact a WE DeKalb participating lender at decidedekalb.com/wedekalb. For Georgia Dream, use a Georgia Dream participating lender listed at dca.georgia.gov. Your lender will assess which programs fit your purchase price and income.
- Step 4:
Explore your price range. The Georgia Dream program has a purchase price limit of $650,000 for the Atlanta MSA, and Dunwoody's median home price falls right at that threshold. Condos and townhomes in the Perimeter area and Dunwoody Village may offer more affordable options within program limits.
- Step 5:
Submit your applications through your participating lender. Your lender will coordinate the DPA funds at closing. For ANDP assistance, contact ANDP directly at (404) 420-1600. For National Faith Homebuyers, call (678) 553-3770.