Cobb County Down Payment Assistance Program (Cobb My Home DPA)
Open nowCobb County
- For
- Any qualified buyer purchasing anywhere in Cobb County
- Amount
- Grant of 1% or 2% of the note amount (0% option with lower rate)
- Kind
- Grant, nothing to repay
- Income cap
- $159,880 (FHA, VA, Freddie Mac HFA Advantage above 80% AMI); $90,800 (HFA Advantage at or below 80% AMI) - effective May 2025
- Price cap
- No price limit stated; max loan $688,850 FHA / $806,500 VA and Freddie Mac HFA Advantage
- First-time buyers only?
- No
- Also required
- 30-year fixed FHA/VA/Freddie Mac HFA Advantage first mortgage via participating lender; min FICO 640-680 by loan type, DTI 45-50%; occupy within 60 days; homebuyer education for HFA Advantage; non-repayable grant with no lien
Latest guide revised Aug 27, 2025. Consumer pages: cobbcounty.org and georgiabuyerdpa.com/cobb. Employee add-ons listed under occupation_specific.
Last checked November 2026 · our sources
Check whether I fitHow the Cobb grant works
The Housing Authority of Cobb County runs this program with eHousingPlus as administrator and U.S. Bank as master servicer. You take a 30-year fixed FHA, VA or Freddie Mac HFA Advantage first mortgage through a participating lender and choose a grant of 1% or 2% of the note amount. A 0% option trades the grant for a lower rate. Because it's a true grant with no lien, there's nothing to repay when you sell or refinance. On a $300,000 loan, for example, the 2% option would be $6,000.
Who qualifies
You don't need to be a first-time buyer, which is rare among Georgia programs. Income limits (effective May 2025) are $159,880 for FHA, VA and HFA Advantage above 80% AMI, or $90,800 for HFA Advantage at or below 80% AMI. No price limit is stated, but loan caps are $688,850 for FHA and $806,500 for VA and HFA Advantage. Credit minimums run 640 to 680 by loan type, with debt-to-income up to 45-50%. You must move in within 60 days, and HFA Advantage borrowers take a homebuyer class. The latest guide was revised August 27, 2025.
Using it with Georgia Dream and employee grants
The Cobb DPA comes with its own first mortgage, and the program guide doesn't say whether Georgia Dream PEN can be layered on, so a participating lender confirms whether they combine. What is clear: Cobb County Government employees can add a $10,000 grant, and City of Marietta employees can add $10,000 or $15,000, both on top of this program. See the county employee grant and the Marietta employee grant. Local prices are on the Cobb County page.
The two income limits matter: if your household is at or below $90,800, the HFA Advantage option at 80% AMI applies; above that, FHA, VA and the higher HFA Advantage tier cap income at $159,880.
How to apply
Find a lender approved for the Cobb program, pick your loan type and grant level, and plan to occupy within 60 days of closing. Our grant vs. loan guide explains why a grant beats a loan of the same size, or check eligibility.
Counties on this site where it applies: Cobb County.
Common questions about Cobb County Down Payment Assistance Program (Cobb My Home DPA)
Do I have to repay the Cobb DPA?
No. It's a non-repayable grant with no lien.
Is the Cobb DPA only for first-time buyers?
No. Any qualified buyer purchasing in Cobb County can use it.
How much is the grant?
1% or 2% of the note amount, or a 0% option with a lower rate.
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.
