Fulton Homeownership Program

Community Development

Fulton Homeownership Program (Down Payment Assistance)

Fulton Homeownership Program

The Fulton Homeownership Program (HOP) provides down payment and closing cost assistance to income-eligible homebuyers who have the capacity to purchase a home but lack the money needed for a down-payment and loan closing costs.  We offer assistance up to $10,000 as a deferred payment loan with 0% interest to qualified homebuyers who occupy the home as their principal residence for a period of at least six years. (LEARN MORE)


Eligibility Requirements 


In order to qualify for this program, applicants must meet the following criteria:

  • Must be a first-time homebuyer (not owned a home in 3 years)
  • Must earn at or below 80% of Area Median (HOME Adjusted Income)
  • Property must be located within the Fulton County service area
  • New homes must receive a Certificate of Occupancy
  • Existing homes must pass an internal Fulton County Government property standards inspection
  • Property purchase price may not exceed $272,000 for either an existing home or for new construction. [Effective 6/01/2021]

View current income eligibility limits and the Fulton County HOP service area for this program.

Contact one of our HOP Participating Lenders to begin the process of applying for a 1st mortgage loan.  They will assist you in completing the HOP loan application, gathering required documentation and will submit the complete HOP loan package on your behalf to the Fulton Homeownership Program for review and processing.