Fulton County Homeownership Program (HOP)

Fulton County Department of Community Development

Available Home Repair

About This Program

Fulton County Homeownership Program (HOP) is available in Atlanta, GA.

Provides 0% interest deferred second mortgage loans of up to $22,500 (7.5% of sales price, whichever is less) to assist first-time homebuyers in Fulton County with down payment, closing costs, and/or interest rate buydown. Income must be at or below 80% AMI. Maximum home purchase price is $347,000 (existing) or $367,000 (new construction).

Deferred loan, $0 monthly payment until sale, refinance, or transfer.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Atlanta, GA, you can combine this program with other local help to cut your cost:

Key Details

  • Must be a first-time homebuyer in Fulton County
  • Income at or below 80% AMI (approx. $64,000-$101,800 depending on household size)
  • Max purchase price: $347,000 existing / $367,000 new construction
  • Email: DownPayment.Assistance@fultoncountyga.gov
  • Assistance covers down payment, closing costs, and/or interest rate buydown

How to Apply

Get free help applying Visit Official Program Page Track this program

404-612-7390

A grant-savvy contractor in Atlanta, GA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Atlanta early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Check with Fulton County for current availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Fulton County Homeownership Program (HOP) provide in Atlanta, GA?

Up to $22,500 (7.5% of sales price).

How do I apply for Fulton County Homeownership Program (HOP) in Atlanta, GA?

Apply directly with Fulton County Department of Community Development using the official program link on this page or call 404-612-7390. There is no middleman and no fee.

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