Down Payment Assistance

Do You Qualify for Down Payment Assistance?

At Capital City Home Loans, we recognize the fact that some homeowners may require a helping hand in order to pursue the American Dream of home ownership. After all, not everyone can arrive at the closing table equipped with as much as 20% of the value of the home they wish to purchase. Our experienced team of loan officers can help you identify which down payment assistance program might be right for your family. We can even set the wheels in motion for your assistance application. Here’s a list of highly respected programs with which we’ve paired our clients over the years. You could be next!

Federal Home Loan Bank Grant

Matches your contribution with $4 for every $1 you put down, to a maximum of $5000. The grant is forgiven at a rate of 20% per year.

Georgia Dream

Provides $5,000 in down payment assistance, with a minimum contribution of $1,000.


Administered through Georgia Dream, this program provides up to $7,500 in down payment assistance for teachers, firefighters, nurses, policemen, EMTs, etc.

Gwinnett County Homestretch

Provides up to $7,500 in down payment assistance.

Tennessee Housing Development Agency

Provides up to 5% of the purchase price for down payment or closing costs.

North Carolina Housing Finance Agency

Offers up to $8,000 in down payment assistance in the form of interest-free, deferred second mortgages.

South Carolina State Housing Finance and Development Authority

Provides up to $4,000 in assistance.

Cobb County Housing Authority

Provides up to $20,000 in assistance.

Neighborhood Stabilization Program (NSP)

County and State specific program.

Florida Housing 

Provides up to $7,500 in assistance.

Virginia Housing

Down payment assistance of up to 5% of the sales price.