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Gwinnett County Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in Gwinnett County, checked against the official page.

Gwinnett County down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Homestretch Down Payment AssistanceUp to $10,000Forgivable loanRequired (or no home owned in three or more years)At or below 80% of area median income$371,000 (existing home) or $425,000 (new construction)Offered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Homestretch Down Payment Assistance

Forgivable loan

Gwinnett County Housing and Community Development

Amount
Up to $10,000
First-time buyer
Required (or no home owned in three or more years)
Status
Offered
Income limit
At or below 80% of area median income
Purchase price limit
$371,000 (existing home) or $425,000 (new construction)

0% interest, no-payment loan forgiven 20% a year over five years while the home is your primary residence. Minimum credit score 580; you contribute 1% of the price or $1,000, whichever is smaller; household assets up to $25,000; eight-hour HUD-approved counseling.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in Georgia

Statewide help in Georgia

You may also qualify for 2 statewide Georgia programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for Georgia How to apply

Compare these programs · AMI / income limits · All Georgia programs

HUD-approved homebuyer counselors in Georgia (39)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does Gwinnett County offer down payment assistance?

Yes. We list 1 local program checked against official pages: Homestretch Down Payment Assistance from Gwinnett County Housing and Community Development (Up to $10,000).

Do I have to be a first-time homebuyer for Gwinnett County assistance?

The official pages state: Homestretch Down Payment Assistance: Required (or no home owned in three or more years).

What are the income limits for Gwinnett County down payment assistance?

Published on the official pages: Homestretch Down Payment Assistance: At or below 80% of area median income. Confirm current limits with the administrator.

What are the purchase price limits for Gwinnett County assistance?

Published on the official pages: Homestretch Down Payment Assistance: $371,000 (existing home) or $425,000 (new construction).

How does Homestretch Down Payment Assistance work?

0% interest, no-payment loan forgiven 20% a year over five years while the home is your primary residence. Minimum credit score 580; you contribute 1% of the price or $1,000, whichever is smaller; household assets up to $25,000; eight-hour HUD-approved counseling.

Can I combine Gwinnett County assistance with statewide Georgia programs?

Sometimes. Georgia also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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