Home Ownership is within reach.

WE can help make it a reality.

Down payment Assistance Program

It’s more than a place to rest your

head. It’s where you shape your

dreams. That’s why owning a home

is vital to your life and community. And

in DeKalb County, there’s help with

both through WE DeKalb.

Home.

404.687.2730 | DecideDekalb.com/dpa

WE DeKalb General Criteria*

About You o Don’t have to be a first-time homebuyer o Must occupy homeoMaximum qualifying income for households

of all sizes: 3 FHA and VA: $111,580 3 Conventional Freddie Mac

HFA Advantage®: $63,360 oFHA and Freddie Mac loans with a minimum

680 FICO will have a maximum DTI ratio of 50%oFHA, VA and Freddie Mac loans with a minimum

640 FICO will have a maximum DTI ratio of 45%

About Your Property oMust be in DeKalb CountyoMust be residentialoFor new or existing 1-4 units (detached or

attached), condos and townhomes meeting service/guarantor requirements

About Your LoanoFHA loan mortgage limit: $379,500oVA loan mortgage limit: $510,400 oConventional loan mortgage limit: $510,400 oMortgage rates may be the same or slightly above

market mortgage rates, based on selected DPA grant option. Rates may change periodically

oNo prepayment penalty

What WE DeKalb Does NOT CoveroBuy downsoConstruction to permoCo-signersoRecreational, seasonal or other vacation

or nonpermanent homes

*All figures may change, based on market conditions.

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WE DeKalb is a down payment

assistance program for future

homeowners, like you, who live in or

wish to relocate to DeKalb County.

It is especially ideal if you earn too

much to qualify for affordable housing

subsidies, but need help with your

down payment and/or closing costs.

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*Rates may vary. Please consult one of our approved lenders.**5% assistance option only applies to conventional loans.

Find Your New Home

Make a Connection

o Review the approved lenders list on our website.

o Contact an approved lender to start your application.

o If you qualify, you will apply for an FHA, VA or Conventional, 30-year, fixed-rate, first-mortgage loan from an approved lender.*

This loan provides a non-repayable down payment assistance grant, which:o Equals 3, 4 or 5%** of the mortgage

amount depending on the selected mortgage rate.

o You may use for your down payment and/or closing costs.

o You do not have to pay back. Ever.

NOTE: Further WE DeKalb general criteria can be found on the back of this brochure.

Already have a mortgage in DeKalb County? WE DeKalb offers attractive refinancing.

Meet The Criteria

WE DEKALBMAKES DREAMS ACCESSIBLE

IN 3 EASY STEPS

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(See back panel for general criteria requirements)

OUR SUCCESSSINCE 2015 150+

homes purchased with WE DeKalb

assistance

12cities countywide where homes were purchased

with WE DeKalb assistance

$1M+in down payment

assistance provided to applicants