The ADA Downpayment Assistance Programs combineOpportunity Downpayment Assistance Program (ODAP), Beltline Affordable Housing Trust
Fund (BAHTF), Atlanta Affordable Homeownership Program (AAHOP), and Vine City/English Avenue Home Ownership Assistance program (HOAP). These programs provide funding to eligible homebuyers for purchase of a new or existing home. Funding will be use to pay all or a portion of the closing costs and/or the down payment associated with purchasing a home.

Who Qualifies?

First-Time homebuyers as well as previous homeowners.
AAHOP is our only program that requires you to be a first-time buyer, current residence must be sold prior to closing on the new home.

• Income limits cannot exceed program income limits (see individual charts)
• Must contribute at least $1,500 of your own funds toward closing
• Have acceptable credit
• Qualify for first mortgage with ADA approved lender
• Must be owner occupied

Maximum Income Limits:

ODAP
$68,300 for 1-2 person households
$78,545 for 3 or more person households

BAHTF
$68,300 for 1-2 person households
$78,545 for 3 or more person households

• City of Atlanta, Fulton County, APS Employees
  Receive 30% of the purchase price up to $50,000.
• Current City of Atlanta Beltline Overlay Residents receive 30% of the purchase price up to $50,000
• Eligible homebuyers receive 20% of the purchase price up to $50,000

AAHOP

$38,300 for 1-person household
$43,750 for 2-person household
$49,200 for 3-person household

HOAP
$68,300 for 1-2 person households
$78,545 for 3 or more person households

Eligible Properties

• Single-family detached homes, condo, and townhomes
• Purchase price cannot exceed $252,890
• Properties must be located in the city of Atlanta and pay city taxes
• Newly constructed or existing home

Beltline*
Must be located within the BeltLine Tax Allocation District.
To determine if property is in the TAD visit:
http://gis.atlantaga.gov/apps/parcel_search/

Vine City/English Avenue*
Must be located within the Trust Fund Boundaries: Joseph Lowery Blvd; Donald Hollowell Pkwy; Northside Dr.; Martin Luther King Jr. Drive

Mortgage Assistance

• Assistance in the form of a 0% interest second mortgage
• Loans deferred from 5-15 years; repayment is due upon sale, transfer, refinance or when home is no longer owner occupied.
• Must be fixed-rate mortgage

How Do I Get Started?

1. Attend ADA approved homebuyers seminar.
2. Contact one of ADA’s participating lenders to get
   pre-qualified and secure 1st mortgage loan.
3. Find a home within the city limits of Atlanta.
4. Have your lender complete loan package and forward it to ADA.

ADA Downpayment Assistance Programs Flyer

ADA Downpayment Assistance fillable application

AAHOP Registration Fillable Form

Preferred Housing Education providers

Participating Attorneys List

For questions that are not available on the website contact Hiwot Mekonnen, ADA Mortgage Specialist at 404.614.8317 or email:Homeownership@atlantada.com