Atlanta Beltline Mortgage Assistance Program
Open nowCity of Atlanta - Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10 (south and west sides)
- For
- Legacy residents and public-sector/civil-servant employees (higher tier, e.g. teachers, firefighters, city employees per launch release); other qualified buyers (lower tier)
- Amount
- Up to $30,000 (civil servants and legacy residents) or up to $20,000 (other qualified buyers); usable for down payment, closing costs, permanent rate buydown, principal reduction
- Kind
- Forgivable loan
- Income cap
- 120% AMI ($141,360 family of 4) and 140% AMI ($164,920 family of 4) tiers shown
- Price cap
- No maximum purchase price; maximum loan $400,000; max CLTV 105%
- First-time buyers only?
- No
- Also required
- 0% soft second mortgage with 15-year affordability period; min FICO 620; liquid assets max $35,000; Invest Atlanta participating lender; property must be in listed TAD subareas (address map on page)
Launched mid-2026 (Invest Atlanta release; press coverage dated July 23-24, 2026). Exact definitions of 'legacy resident' and 'civil servant' not published on the program page. Which income tier maps to which assistance tier not stated.
Last checked November 2026 · our sources
Check whether I fitHow the Beltline assistance works
The money is a 0% soft second mortgage with a 15-year affordability period. You can apply it to the down payment, closing costs, a permanent rate buydown or principal reduction. There is no maximum purchase price, but the first mortgage tops out at $400,000 and combined loans can't exceed 105% of value. It is funded by Atlanta Beltline, Inc. and administered by Invest Atlanta, and it launched in mid-2026.
Where the home has to be
Only homes inside Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10 qualify, which sit on Atlanta's south and west sides in Fulton County. Invest Atlanta's program page has an address lookup map. Check the exact address before you make an offer, because neighboring streets can fall in and out.
Who qualifies and for how much
There are two levels of help. Legacy residents and public-sector employees can get up to $30,000; the launch announcement names teachers, firefighters and city employees as examples. Other qualified buyers can get up to $20,000. Income tiers are shown at 120% of area median ($141,360 for a family of four) and 140% ($164,920 for four), but the program page doesn't say which income tier lines up with which assistance level, and it doesn't define "legacy resident" or "civil servant." Ask Invest Atlanta directly how your household is classified. Other requirements: a 620 minimum credit score, no more than $35,000 in liquid assets, and an Invest Atlanta participating lender. First-time buyer status is not required.
Using it with other help, and how to apply
Invest Atlanta says its incentives can't be used with Georgia Dream, NACA, or DeKalb or Fulton County assistance; whether the Beltline money pairs with another Invest Atlanta incentive is a question for the participating lender. To apply, confirm the address on the map, contact a participating lender, and ask which tier you'd fall in before you set your budget. Public workers can read more on the civil servant tier page, or check eligibility for the state program too. Our forgivable-help guide covers how a 15-year affordability period works.
Counties on this site where it applies: Fulton County.
Common questions about Atlanta Beltline Mortgage Assistance Program
How much does the Beltline program pay?
Up to $30,000 for civil servants and legacy residents, and up to $20,000 for other qualified buyers.
Which areas qualify?
Homes inside Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10 on Atlanta's south and west sides. Invest Atlanta's page has an address map.
Is there a purchase price limit?
No maximum price, but the first mortgage is capped at $400,000 and combined loan-to-value at 105%.
See if this one could work for me
Programs people compare with this one
Our summary of the official program page as of November 2026. Money and terms change, so check the current details with the program or a participating lender. Georgia Down Payment Assistance has no connection to this program.
