About the Program
The Homestretch Down Payment Assistance Program provides down-payment assistance to income-eligible homebuyers who have the capacity to purchase a home but lack the money needed for a down-payment.  We offer down-payment assistance up to $7,500 as a five-year deferred payment loan with 0% interest to qualified homebuyers who occupy the home as their principle residence for a period of at least five years. 

Eligibility Requirements 
In order to qualify for this program, applicants must meet the following criteria:

• Must earn below 80% of Area Median
• Must be a first-time homebuyer
• Must have at least one credit score above 640
• Debt-to-Income Ratio cannot exceed 43%

View current income eligibility limits for this program. Additionally, this program contains property eligibility requirements that are as follows:

• Property must be either a single-family detached home or townhome
• Property must be located within Gwinnett County
• Property must pass a Uniform Property Conditions Standards Inspection
• Property may not cost more than $211,000.00 for an existing home or $289,000.00 for new construction. [Effective 7/20/2020]

Once an applicant is determined to be eligible for this program, it will take 30 days for a check to be drafted for the down-payment funding.

Interested applicants may download the Homestretch pre-application form (PDF). Once It has been completed it must be submitted to the Gwinnett County Community Development Program:

Gwinnett County Community Development Program
Attn: Homestretch Program
446 West Crogan Street
Suite 275
Lawrenceville, GA 30046

Phone-678-518-6008
Email – homestretch@gwinnettcounty.com
Fax – 678-518-6071

For more information about the program and how it works, please download the Homestretch Program Overview (PDF).

For additional information or questions, please call (678) 518-6008 or e-mail homestretch@gwinnettcounty.com.