Housing Authorities in Georgia

State of Housing in GeorgiaFrom March to May 2013, HUD had already awarded a total of $32,210,320 for the homeless and low income residents of Georgia. Provided through HUD’s Continuum of Care programs, the funding will ensure these HUD-assisted local homeless assistance programs remain operating in the coming year. More awards will be given in the later part of 2013 to support local housing programs and new projects.

Housing Programs

Georgia Dream Homeownership Program

This is a low-interest financing, down payment assistance, homebuyer educationwith affordable first mortgage financing and down paymentassistance for eligible home buyers.Georgia Dream Loans are available to:

  • First-timehomebuyers.
  • Those who have not owned a home in the past three years.
  • Those who purchase a home intargeted areas.
  • Have household incomes below the maximum.
  • Those who have liquid assets no more than $20,000 or 20% of the sales price(whicheverisgreater).
  • Those who meet mortgage loan credit requirements.

The loans are 30 year,fixed interest rate mortgages. Local lenders give credit approval For FHA,USDA-RD,VA or conventional uninsured mortgage loans. If you purchase a home in Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, awson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Newton, Paulding, Pickens, Pike, Rockdale, Spalding or Walton Counties, your total household income(based on the number of people living in the home)can be no more than:

  • One to two persons $69,000.
  • Three or more persons $79,500.

The sales price of the home cannot exceed $250,00.

Habitat for Humanity

Habitat affiliates bring homeownership to very low income families.Habitat for Humanity has helped change the lives ofState of Housing in Georgia more than 30,000 American families since its first U.S. affiliate was founded in San Antonio, Texas in 1978. Habitat affiliates build in all 50 U.S. states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands. Each affiliate is an independent, locally managed organization which coordinates local construction and selects partner families without regard to race, religion or ethnic group.

Local HOME contacts
Some communities use HOME funding from HUD to provide assistance to first-time home buyers

Community HOME Investment Program (CHIP)

The Community HOME Investment Program (CHIP) uses a portion of Georgia’s Department of Community Affair’s HOME funds to assist local governments, nonprofit organizations and public housing authorities to address the needs of affordable housing development in their communities. CHIP funds may be used to provide down payment assistance or homeowner rehabilitation funding to eligible low- and low-moderate income households. Eligible communities are those outside of a HUD-designated Participating Jurisdiction as defined by the HOME Program.


The eligibility requirements for the programs are:

  • Income eligible
  • Pass a criminal background check
  • Preferential status:
  • Persons who are homeless due to natural disasters.
  • Persons who are homeless due to public action.
  • Persons with emergency needs (such as domestic violence victims, persons with medical emergencies, or homeless persons facing an immediate threat to their health and safety.
  • Veterans and local residents.

Income Limits

1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
$24,300 $27,750 $31,200 $34,650 $37,450 $40,200 $43,000 $45,750
$14,600 $16,650 $18,750 $20,800 $22,500 $24,150 $25,800 $27,500
$38,850 $44,400 $49,950 $55,450 $59,900 $64,350 $68,800 $73,200

To be eligible to live in state public housing, a household must typically earn no more than 80 percent of the area median income. Income guidelines vary from year to year and region to region. To live in state assisted elderly public housing, you must be at least 60 years old. If you are a person with a disability, you must meet certain criteria to be eligible for state or federal housing for disabled persons.

  • Tenants residing in elderly/handicapped public housing pay 30% of net income and do not pay for any utilities.
  • Tenants residing in the family public housing development pay 30% of net income and pay for some utilities.
  • Tenants residing at our "off-site" family housing program pay 32% of net income and do not pay for any utilities.

Housing Trust Fund

The Housing Trust Fund provides funds for the construction, rehabilitation, and preservation of rental homes and for homeownership for extremely low- and very low-income families.The Fund provides funding to developers to preserve, rehabilitate and construct housing, primarily for extremely low-income families. At least 80 percent of the funds must be used for the production, preservation, rehabilitation, or operation of rental housing. Up to 10 percent can be used for the following homeownership activities for first-time homebuyers: production, preservation, and rehabilitation; down payment assistance, closing cost assistance, and assistance for interest rate buy-downs.

Shelter Plus Care (S+C)

This program provides rental assistance for homeless people with disabilities, primarily those with serious mental illness,State of Housing in Georgia chronic problems with alcohol and/or drugs, and acquired immunodeficiency syndrome (AIDS), and related diseases. Rental assistance grants must be matched in the aggregate by supportive services that are equal in value to the amount of rental assistance and appropriate to the needs of the population to be served. The term for grants is 5 years; (3) Project-based Rental Assistance (PRA) provides rental assistance to the owner of an existing structure where the owner agrees to lease the units to homeless people. Residents do not take the assistance with them if they move. PRA grants are also for 5 years of assistance, but an owner may get 10 years of assistance if the owner rehabilitates the property; and (4) Section 8 Moderate Rehabilitation for Single Room Occupancy (SRO) Dwellings provides grants for rental assistance. Assistance is provided for 10 years.

Good Neighbor Next Door

The Good Neighbor Next Door program promotes these goals by encouraging persons whose daily professional responsibilities represent a nexus to the needs of the community to purchase and live in homes in these communities. This program makes homes in revitalization areas available to law enforcement officers, teachers, firefighters, and emergency medical technicians. Each year, HUD sells a limited number of properties from its inventory at a 50 percent discount from the list price to eligible persons in the above professions. To make these homes even more affordable, eligible program participants may apply for an FHA-insured mortgage with a downpayment of only $100. Because homes sold through this program are located in revitalization areas, there may be additional assistance from state or local government sources.

Assisted-Living Conversion Program

This program provides funding for the physical costs of converting some or all of units in an eligible development into an assisted-living facility or service-enriched housing, including the unit configuration, common and services space, and any necessary remodeling consistent with HUD's or the state's statute or regulations (whichever is more stringent). These facilities are designed to accommodate frail elderly and people with disabilities who can live independently, but need assistance with activities of daily living (e.g., assistance with eating, bathing, grooming, dressing, and home management activities). Under this program, funded facilities must provide supportive services, such as personal care, transportation, meals, housekeeping, or laundry.

Emergency Capital Repairs Program

This program provides grants for substantial capital repairs to eligible multifamily projects with elderly tenants that areState of Housing in Georgia needed to rehabilitate, modernize, or retrofit aging structures, common areas, or individual dwelling units. The capital repair needs must relate to items that present an immediate threat to the health, safety, and quality of life of the tenants. The intent of these grants is to provide one-time assistance for emergency items that could not be absorbed within the project's operating budget, and where the tenants' continued occupancy in the immediate future would be called into question by a delay in initiating the proposed cure.

Housing Choice Voucher Program

At least 75 percent of the families admitted to a public housing agency's (PHA) Housing Choice Voucher program during the PHA's fiscal year must have income at or below 30 percent of the area median income. In general, eligibility for vouchers is limited to:

  • Very low-income families;
  • Low-income families previously assisted under the public housing, Section 23, or Section 8 project-based housing programs;
  • Low-income families that are non-purchasing tenants of certain homeownership programs;
  • Low-income tenants displaced from certain Section 221 and 236 projects; or
  • Low-income families that meet PHA-specified eligibility criteria.

Homeownership Voucher Assistance

A public housing agency (PHA), at its option, may provide monthly assistance to families that have been admitted to the Section 8 Housing Choice Voucher program in accordance with HUD regulations, that meet certain criteria, and that are purchasing homes in an amount that would otherwise have been provided to that family as tenant-based voucher assistance.

Choice Neighborhoods

Choice Neighborhoods grants primarily fund the preservation, rehabilitation and transformation of public and HUD-assisted housing. Funds may also be used for the conversion of vacant or foreclosed properties to affordable housing.Grantees must undertake comprehensive local planning with input from residents and the community. A strong emphasis is placed on local community planning for school and educational improvements, including early childhood initiatives. Grantees shall create partnerships with other local organizations including assisted housing owners, service agencies and resident organizations.

Family Self-Sufficiency Program

The major components of the FSS program are a contract of participation between the PHA and the family, an individualized training and services plan for each participating family member, and an interest bearing escrow account. Credits to a family’s escrow account are based on increased income earned by family members during the term of their contract. On completion of the FSS contract, a family may claim its escrow account, if no family member is receiving welfare assistance.

Indian Community Development Block Grant (ICDBG) Program

Offers grants on a competitive basis to eligible Indian tribes and Alaska Native Villages to improve the housing stock,State of Housing in Georgia provide community facilities, make infrastructure improvements, fund microenterprises, and expand job opportunities. Eligible activities include housing rehabilitation, acquisition of land for housing, and assistance for homeownership opportunities for low- and moderate-income persons. Grantees may also use funds for construction of single- or multi-use facilities, streets, and public facilities, as well as for economic development projects, especially those sponsored by nonprofit tribal organizations or local development corporations. Funds may not be used for constructing or improving government facilities, for new housing construction (unless carried out by an eligible nonprofit organization), for general government or income expenses, for operating or maintenance expenses, for political activities, or to purchase equipment.

Fair Housing and Equal Opportunity

The purpose of the program is to provide access to private mortgage financing to Indian families, IHAs, and Indian tribes that could not otherwise acquire housing financing because of the unique legal status of Indian lands. The loans guaranteed under the program are used to construct, acquire, refinance, or rehabilitate single family housing located on trust land or land located in an Indian or Alaska Native area. The program authorizes Indian tribes to assume responsibility for federal environmental reviews. This guarantee authority is freestanding and has its own guarantee fund. HUD may enter into commitments to guarantee loans for any fiscal year only to the extent amounts have been provided in appropriations acts.

Healthy Homes and Lead Hazard Control

This program addresses childhood lead-based paint poisoning and other childhood diseases associated with poor housing conditions such as exposure to moisture, mold, poor air quality, lead paint, residential application of pesticides, the presence of allergens, vermin, dust, and other substances that contribute to asthma, and hazardous conditions that increase the risk of injury.

Unemployment in Georgia and the Housing Waiting Lists

Housing agencies in Georgia have long waiting lists, so you may want to apply at more than one PHA.According to the BLS current population survey (CPS), the unemployment rate for Georgia fell 0.2 percentage points in March 2013 to 8.4%. The state unemployment rate was 0.8 percentage points higher than the national rate for the month. Unemployment swells housing waiting lists.