Clayton County DPA

Forgivable local help for Clayton buyers

Clayton's down payment assistance is a forgivable second mortgage for first-time buyers. Live in the home the full term and you owe nothing back.

Talk with Johnnie

See how it works

Forgivable local help for Clayton buyers

Down payment assistance in Clayton County GA is a forgivable second mortgage for first-time buyers. It covers down payment, closing costs, and prepaids on a Clayton primary residence. Live there the full term and you owe nothing back.

Standard is up to $7,500, forgiven over 5 years. The Enhanced tier for veterans, first responders, teachers, nurses, and county staff is up to $10,000 over 10.

‍

How it works and who qualifies

First-time buyer, none owned in 3 years
Income at or below 80% of HUD AMI
Purchase price under $270,000
Single-family detached only, no condos
Inside Clayton County limits
$1,000 minimum buyer contribution
Must use a county Preferred Lender
8-hour HUD class before you close
Forgiven after 5 or 10 years in the home

‍

What this means in Clayton

The $270,000 cap is a HUD limit the county cannot raise. Riverdale medians run well under it, so most inventory qualifies. New construction in the 290s loses this layer.

It stacks with Georgia Dream and any FHA, VA, or conventional first mortgage. The common Riverdale stack drops cash to close to around $1,000 to $2,000.

‍