Georgia program
Georgia route through Gwinnett County HUD Programs. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
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Up to $10,000 as a 0% soft second mortgage for down payment assistance.
Forgivable second mortgage
Gwinnett County says the Homestretch lien carries 0% interest with no monthly payment, is forgiven in 20% annual increments after each year of continued owner-occupancy, and is fully forgiven after five years if the home remains the buyer's principal residence.
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First-time homebuyers, Low-income households at or below 80% AMI, Buyers purchasing an eligible home in Gwinnett County
Up to $10,000 as a 0% soft second mortgage for down payment assistance.
Gwinnett County says the Homestretch lien carries 0% interest with no monthly payment, is forgiven in 20% annual increments after each year of continued owner-occupancy, and is fully forgiven after five years if the home remains the buyer's principal residence.
Complete eight hours of HUD-approved pre-purchase counseling, secure a fixed-rate primary-mortgage preapproval, and submit the Homestretch preapplication and supporting documents to Gwinnett County. The home must be in Gwinnett County and remain the buyer's principal residence for at least five years.
Gwinnett County's 2026 Homestretch overview says assistance is capped at $10,000 as a 0% soft second, forgiven in 20% annual increments over five years if the buyer remains owner-occupant, and requires eight hours of HUD-approved counseling, a 580 minimum credit score, and a fixed-rate first mortgage preapproval.
2026-04-20
2026-04-20
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Amount: Up to $10,000 as a 0% soft second mortgage for down payment assistance.
Repayment: Gwinnett County says the Homestretch lien carries 0% interest with no monthly payment, is forgiven in 20% annual increments after each year of continued owner-occupancy, and is fully forgiven after five years if the home remains the buyer's principal residence.
First-time buyer: Required
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