09/13/2026
🏡 BUYING A HOME IN COBB COUNTY? DOWN PAYMENT ASSISTANCE MAY BE AVAILABLE — AND YOU DO NOT HAVE TO BE A FIRST-TIME HOMEBUYER! 🔑
If saving enough for a down payment has been holding you back, the Cobb County My Home Down Payment Assistance (DPA) Program may be worth exploring.
The program offers qualified buyers a 30-year fixed-rate first mortgage with down payment assistance to help make homeownership more attainable.
✅ Here are some of the basic qualifications:
• No first-time homebuyer requirement
• FHA & VA: 660 minimum FICO
• Freddie Mac HFA Advantage: 640 minimum FICO
• FICO 640–679: Maximum 45% DTI
• FICO 680+: Maximum 50% DTI
• Maximum qualifying income: $159,880
• Freddie Mac HFA Advantage income limit: $90,800
• FHA loan amount up to $688,850
• VA & Freddie Mac HFA Advantage loan amounts up to $806,500
• Home must be your primary residence
• Buyer must occupy the home within 60 days of closing
🏠 Eligible properties may include:
New or existing single-family homes, attached or detached homes, condos, townhomes and certain 1–4 unit residential properties.*
📌 Freddie Mac loans are limited to one-unit properties. Additional property and program restrictions apply.
Think you might qualify?
https://georgiabuyerdpa.com/
Your next step is to speak with an active participating loan officer, who can determine whether you qualify for both the mortgage and the DPA program.
🏡 Not sure where to start? Message me!
I can help you understand the home-buying process, connect you with a participating lender, and help you find an eligible home in Cobb County.
Heather Smith, REALTOR®
Virtual Properties Realty.com Direct: 770-655-7984 Office: 770-495-5050 [email protected]
💬 Comment “HOME” or send me a private message and I’ll help you get started!