Down Payment Assistance

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Please note: New program criteria as of 22 September 2020 is detailed below. 

The WE DeKalb program provides a down payment grant of 3, 4, or 5%* to qualified applicants interested in purchasing, or refinancing, a home in DeKalb County, Georgia based on the type of loan selected. 

The Decide DeKalb Development Authority created the WE DeKalb Program as an economic incentive to assist our metro Atlanta area employers in attracting and retaining top talent by opening doors to homeownership in DeKalb County. The program is especially ideal for those who may exceed earning limits to qualify for affordable housing subsidies, but need help with down payment and closing costs. The grant is not restricted to homebuyers who work in DeKalb County – any qualified borrower interested in buying a home in DeKalb County can take advantage of this non-repayable grant.

  • Maximum income limit for FHA and VA loans is $115,780 for households of all sizes.
  • Maximum qualifying income for Conventional Freddie Mac HFA Advantage loans is $65,760 for households of all sizes

There are currently thousands of homes throughout DeKalb County that may be purchased with the WE DeKalb Program down payment grant, based on the FHA loan maximum of $401,350, the VA loan mortgage limit of $510,400 or the Conventional Freddie Mac HFA Advantage® loan mortgage limit of $510,400.

  • FHA and Freddie Mac conventional loans with a minimum 680 FICO score will have a maximum debt-to-income ratio of 50%.
  • FHA, VA, and Freddie Mac conventional loans with a minimum 660 FICO score will have a maximum debt-to-income ratio of 45%.

If you are ready to purchase a home in DeKalb County, please contact one of our approved lenders to determine your eligibility. If your lender is not on our list and is interested in joining the WE DeKalb program, the process of becoming approved is quick and easy. Please have them send an email to marketing@decidedekalb.com to request more information.

*5% assistance option only available for Conventional loan.


 Whether you're a homebuyer, loan originator, or Realtor® we have the information you need...

Buyers: Download WE DeKalb Program material: Introduction letter. You can apply for your non-repayable down payment grant by selecting one our approved participating lenders.

Lenders: Join our growing list of approved WE DeKalb lenders by submitting the following materials: Lender Approval Process, Lender Agreement and Lender Contact & Authorization Form.

Agents: Use our current list of lenders as your go-to resource for buyer assistance and application submission.

Still have questions? Read the FAQs for homeowners and read the FAQs for lenders.


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