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What Is Down Payment Assistance?
Down Payment Assistance programs are designed to help buyers cover part (or all) of the money needed for a down payment or closing costs.
These programs often come in the form of a forgivable second loan, a grant, or a shared appreciation loan, meaning you don’t have to repay the funds right away — or at all, depending on the program.
At UHome Mortgage, we work with several trusted DPA providers to help our clients get approved with as little as 0–1% down out of pocket.
Why Georgia Buyers Love DPA Programs
In metro Atlanta and across Georgia, home prices have grown faster than many buyers’ savings. Our DPA programs are designed to bridge that gap — helping you buy now instead of waiting years to save.
Here’s why Georgia homebuyers love these programs:
●✅ As Little as 0–1% Out-of-Pocket
– Some programs even cover the entire down payment.
●✅ Forgivable or Repayable Options
– Choose the program that best fits your budget and long-term plan.
●✅ Combine with FHA, VA, or Conventional Loans
– Works with many standard loan types.
●✅ No First-Time Buyer Requirement (on Some Programs)
– You don’t always have to be a first-time buyer to qualify.
●✅ Competitive Interest Rates
– Lower than many national assistance programs.
●✅ Available Across Georgia – Including
Atlanta, Marietta, McDonough, Douglasville, and beyond.
●✅ Ideal for First-Time Buyers
– Many programs designed specifically for those purchasing their first home.
With the right guidance, these programs can turn your homeownership dream into a real set of keys — faster than you thought possible.
UHome Mortgage Down Payment Assistance Options
At UHome Mortgage, we partner with multiple national and state-level programs to give you access to the best assistance options available in Georgia.
Here are the main DPA solutions we offer through our lending network:
💡 Shared Appreciation Program (Click n’ Close)
A unique program that provides down payment assistance in exchange for a small share of your home’s future appreciation.
●Available with FHA and Conventional loans
●Forgivable after 5 years in most cases
●No monthly payment on the assistance portion
●Can cover up to 3.5% or 5% of the purchase price
●Available for borrowers with 620+ credit scores
This is an excellent fit for first-time or moderate-income buyers who want to buy now without draining savings.
💰 SmartBuy DPA Program (Click n’ Close)
One of the most flexible assistance options available today, offering both Forgivable and Repayable structures.
●Forgivable Option: The second lien is fully forgiven after a set period (often 5 years).
●Repayable Option: The assistance acts as a low-rate second lien, allowing higher income flexibility.
●Available for FHA, VA, and Conventional loans
●No minimum borrower contribution required
●Perfect for buyers needing a little extra help to qualify
🏠 National DPA Programs (Kind Lending & UHM)
These nationwide programs are compatible with FHA financing and offer multiple structures to fit your profile.
●Down payment assistance up to 3.5% or 5% of the loan amount
●Forgivable and fully amortized options
●Minimum 620 FICO
●Primary residences only
●May be combined with seller credits or gift funds
These are ideal for Georgia homebuyers who want flexible guidelines and faster approvals.
Who Down Payment Assistance Is Perfect For
DPA programs are designed for buyers who have the ability to make a mortgage payment but need help covering the upfront costs of getting started.
You might be the perfect candidate if you:
●Have a minimum credit score of 620 or higher
●Have steady income but limited savings
●Are a first-time homebuyer or haven’t owned in 3+ years
●Plan to live in the home as your primary residence
●Want to keep more cash reserves for stability after closing
●Need assistance up to 5% of the purchase price
💡 Even if you think you don’t qualify, we often find DPA solutions that make buying possible.
Why Choose UHome Mortgage
Our slogan says it best: Loans That Get U Home.
At UHome Mortgage, we specialize in helping Georgia buyers qualify for affordable homeownership — even when saving for a down payment feels out of reach.
When you work with us, you’ll get:
●Access to multiple DPA programs under one roof
●Clear explanations of forgivable vs repayable options
●Step-by-step guidance from pre-approval to closing
●Fast, transparent communication
●Personalized mortgage planning to fit your budget and timeline
We make it simple to find and secure the right assistance — because your home journey should start with confidence, not confusion.
Start Your Down Payment Assistance Journey Today
If you’re ready to buy your home in Atlanta or anywhere across Georgia, but need a little help with the upfront costs, our team is here to guide you.
Get a free instant rate quote
Take a first step towards your dream home
Free & non binding
No documents required
No impact on credit score
No hidden costs
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