What this covers
8 federal programs and 178 state programs across all 50 states and Washington, D.C., each checked against its official page (most recently October 28, 2026). Only programs taking applications are shown.
City and county programs aren't included yet. Many cities and counties offer their own down payment help, often more than the state. Ask your lender and your city or county housing office what's available where you're buying.
Programs change, run out of funds, and have more rules than fit here. A participating lender confirms what you qualify for.
infoGeneral information based on the standard Georgia REALTORS® purchase contract and public guidance. Your own contract decides: read it, and ask your agent or closing attorney about anything that matters. Not legal or financial advice.