The Challenge of Homeownership in Atlanta
In Atlanta, today the dream of homeownership feels like it’s slipping further out of reach for many first-time buyers—especially Black residents. Once-affordable neighborhoods have been transformed into high-demand markets. Rent is rising, inventory is low, and home prices continue to climb. For first-time homebuyers, the barriers—limited savings, rising interest rates, and fierce competition—can feel insurmountable.
Atlanta Housing is working to change that. Through our Down Payment Assistance (DPA) program, we have invested more than $35 million since 2005 to help 2,100+ first-time buyers transition from renting to owning. The goal: to create pathways to generational wealth and housing stability.
The DPA program provides up to $20,000 in assistance—or $25,000 for eligible public service workers, veterans, and voucher participants. It’s designed to help moderate-income buyers overcome one of the biggest hurdles to homeownership: the upfront cost. These funds can be used toward down payments and closing costs, and the assistance is often structured as a forgivable loan, provided the buyer remains in the home for a set period.
One such success story is Brion, a Georgia native who recently purchased her first home with help from the DPA program. Her journey reflects the challenges—and the possibilities—facing young Black professionals in Atlanta today.
Brion’s Journey to Homeownership
Atlanta Housing: Tell us a little about your background and what brought you here?
Brion: I was born and raised in Gwinnett County. Growing up in the suburbs was great, but I wanted more for myself. Going to Georgia State University was the first time I really saw myself in Atlanta and started to envision who I could truly be.
Atlanta Housing: What made you decide to pursue homeownership?
Brion: At 25, I decided I wanted to become a homeowner. I was seeing rent prices go up all around Atlanta, and I knew I needed something more sustainable and affordable. I didn’t want to keep throwing money away—I wanted to invest in myself and my future.
Atlanta Housing: How did you prepare for that step?
Brion: I took the initiative to educate myself. I enrolled in classes to learn about the homebuying process, how to build my credit, and everything else I’d need to be successful. It wasn’t easy, but I knew it was necessary.
Atlanta Housing: How did you find out about our DPA program?
Brion: I first learned about Atlanta Housing’s programs through the classes I was taking. Once I understood what Atlanta Housing offered, I realized it could be the key to making my dream a reality.
Atlanta Housing: What kind of impact did the program have?
Brion: Atlanta Housing made my dreams possible. They gave me the confidence to know that I deserve homeownership and prosperity in Atlanta—just like everyone else. This isn’t a handout. It’s a hand up. It gave me the boost I needed to close the deal. Now, I am looking forward giving back to others in the future.
Atlanta Housing: What does owning a home mean to you now?
Brion: It means stability. It means I have a place that’s mine, where I can grow and build. It’s not just about having a roof over my head—it’s about building generational wealth and creating a future I can be proud of.
Atlanta Housing: What would you say to others who are in the same position you were in?
Brion: Believe in yourself. Take the steps. Educate yourself, build your credit, and don’t be afraid to ask for help. Programs like Atlanta Housing’s DPA are here for a reason. They’re here to help people like us succeed.
Atlanta Housing: Any final thoughts?
Brion: Just gratitude. I’m forever thankful for the opportunity. Atlanta Housing opened doors for me—literally and figuratively. And now, I’m walking through them with pride.
You Could Be Next
Brion’s story reminds us that with the right support, homeownership is possible—even in a challenging market. Atlanta Housing’s DPA program is a commitment to fairness, access, and the belief that everyone deserves a chance to build a future in the city they call home.
For many Atlantans, especially those from historically marginalized communities, the DPA program is a bridge to stability and long-term wealth. It’s not just about buying a house—it’s about claiming a stake in the city’s future.
If you’re a first-time buyer wondering whether homeownership is within reach, Brion’s message is clear: you deserve it—and you’re not alone.