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GEORGIA 100% NO MONEY DOWN MORTGAGE LENDERS

100% NO MONEY DOWN GEORGIA FHA MORTGAGE LENDERS  

The 100% NO money down Georgia mortgage loan program is designed to increase home ownership opportunities for Georgia individuals and families. DAP funds available, 3% up to 6% of the first mortgage loan amount. This 100% NO money down Georgia mortgage loan program is a purchase money first lien mortgage with Down Payment Assistance is in the form of a soft second lien or a 2nd mortgage with a 5-year term, forgiven at month 61, as a 0% interest second lien. This 100% NO money down Georgia mortgage loan program requires you to remain current on their first mortgage for the second mortgage to be forgiven.

100% NO MONEY DOWN KEY POINTS FOR GEORGIA HOME BUYERS

  • •  No requirement to  be a first time home buyer.
  • • Must have a minimum 640 credit score.
  •  Must have Max Debt to income of 45%.
  • • Must meet Income Limits (up to 140% AMI)
  • • First lien is a 30-year fixed term with full amortization
  • • 203(b) in accordance with FHA guidelines
  • • Primary residence 1-4 units single family is allowed.
  • • DAP funds available, 3% to 6% of the first mortgage loan amount. 
  • What if I live rent free? Yes (If Borrower does not have current housing history, then 3
    months reserves (PITIA) are required)
100% NO MONEY DOWN Georgia MORTGAGE LENDERS KEY POINTS
  • Min 640 credit score is required for no money down mortgage lenders.
  • Must DU approved – Computer must approve you for no money down Georgia mortgage lenders.
  • Min 640 – 659 max Debt to Income Maximum 45% for housing plus all other payments on your credit report.
  • NO late payments- Requires VOR or verification of rent history for most recent 12 months.
  • Cannot payoff debt to qualify after we pull your credit. Better to pay down debts first before applying for no money down Georgia mortgage lenders.
  • No Delinquent taxes –  Taxes must be current .
  • NO NSF in the last 12 months with possible 1 exception.
  • Income limits apply based on county for no money down Georgia mortgage lenders.

100% NO MONEY DOWN GEORGIA FEDERAL, STATE HOME BUYER PROGRAMS 

100% NO MONEY DOWN GEORGIA COVERAGE AREAS  

MSA Code County Name State One-Family Limit Year
99999 APPLING GA $331,760 CY2020
20060 ATKINSON GA $331,760 CY2020
99999 BACON GA $331,760 CY2020
99999 BAKER GA $331,760 CY2020
33300 BALDWIN GA $331,760 CY2020
99999 BANKS GA $331,760 CY2020
12060 BARROW GA $401,350 CY2020
12060 BARTOW GA $401,350 CY2020
22340 BEN HILL GA $331,760 CY2020
99999 BERRIEN GA $331,760 CY2020
31420 BIBB GA $331,760 CY2020
99999 BLECKLEY GA $331,760 CY2020
15260 BRANTLEY GA $331,760 CY2020
46660 BROOKS GA $331,760 CY2020
42340 BRYAN GA $331,760 CY2020
44340 BULLOCH GA $331,760 CY2020
12260 BURKE GA $331,760 CY2020
12060 BUTTS GA $401,350 CY2020
99999 CALHOUN GA $331,760 CY2020
41220 CAMDEN GA $331,760 CY2020
99999 CANDLER GA $331,760 CY2020
12060 CARROLL GA $401,350 CY2020
16860 CATOOSA GA $331,760 CY2020
99999 CHARLTON GA $331,760 CY2020
42340 CHATHAM GA $331,760 CY2020
17980 CHATTAHOOCHEE GA $331,760 CY2020
44900 CHATTOOGA GA $331,760 CY2020
12060 CHEROKEE GA $401,350 CY2020
12020 CLARKE GA $379,500 CY2020
99999 CLAY GA $331,760 CY2020
12060 CLAYTON GA $401,350 CY2020
99999 CLINCH GA $331,760 CY2020
12060 COBB GA $401,350 CY2020
20060 COFFEE GA $331,760 CY2020
34220 COLQUITT GA $331,760 CY2020
12260 COLUMBIA GA $331,760 CY2020
99999 COOK GA $331,760 CY2020
12060 COWETA GA $401,350 CY2020
31420 CRAWFORD GA $331,760 CY2020
18380 CRISP GA $331,760 CY2020
16860 DADE GA $331,760 CY2020
12060 DAWSON GA $401,350 CY2020
12460 DECATUR GA $331,760 CY2020
12060 DEKALB GA $401,350 CY2020
99999 DODGE GA $331,760 CY2020
99999 DOOLY GA $331,760 CY2020
10500 DOUGHERTY GA $331,760 CY2020
12060 DOUGLAS GA $401,350 CY2020
99999 EARLY GA $331,760 CY2020
46660 ECHOLS GA $331,760 CY2020
    GEORGIA DOWN PAYMENT ASSISTANCE PROGRAMS INCLUDE
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