Down Payment Assistance

You may qualify for up to $20,000 to help cover your down payment and closing costs.

Buying a home is one of life's biggest purchases. Listerhill Credit Union is here to help make it possible. As a homebuyer, you may be eligible for up to $20,000 in down payment assistance* to reduce upfront costs and make homeownership more affordable.

Speak to a Loan Officer

Homeownership May Be Closer Than You Think

Saving for a down payment can feel like the biggest hurdle to buying your first home. Through this special down payment assistance program, Listerhill can help eligible homebuyers access funds to assist with:

Down payment costs
Closing costs
Other upfront home buying expenses

This assistance can significantly reduce the amount of money you need upfront - helping you move forward with confidence.

Speak to a Loan Officer

First-Time Homebuyer Program

Buying your first home is an important milestone.

We understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

If you qualify as a first-time homebuyer, you may be eligible for up to $17,500 to help cover down payment and closing costs*. In addition to meeting program and eligibility requirements, homebuyers must:

Contribute at least $1,000 toward the home purchase
Occupy the home as your primary residence
Complete a required homebuyer education course

Listerhill's mortgage team is here to help guide you through every step of the process - from determining program eligibility to closing on your home.

Speak to a Loan Officer

Community Partners Program

We're committed to supporting those (and their families) who make their living serving the community.

As part of this commitment, we're partnering with Federal Home Loan Bank of Atlanta to offer a unique financial opportunity for current and retired law enforcement officers, educators, health care workers, firefighters, and other first responders.

Also, veterans and active-duty members of the military or their surviving spouse who are purchasing a home.

If you qualify as a community partner, you may be eligible for up to $20,000 to help cover homebuyer down payment and closing costs*. In addition to meeting program and eligibility requirements, homebuyers must:

Contribute at least $1,000 toward the home purchase
Occupy the home as your primary residence
Complete a required homebuyer education course

Listerhill's mortgage team is here to help guide you through every step of the process - from determining program eligibility to closing on your home.

Speak to a Loan Officer

Trusted Guidance from a Credit Union That Puts You First

At Listerhill Credit Union, we've helped generations of members achieve their financial goals - including homeownership. When you work with us, you'll receive:

Personalized support from experienced mortgage specialists
Competitive mortgage options designed for first-time buyers
Clear guidance with no pressure or confusion
Local service from a team that understands your community

We're here to help you make informed decisions and move forward with confidence.

Speak to a Loan Officer

Find Out If You Qualify Today

Funding is limited and available to qualified first-time homebuyers. The first step is simple - connect with our mortgage team to review your eligibility and explore your options.

Contact a Loan Officer

*Down payment assistance (DPA) programs are available through the Federal Home Loan Bank of Atlanta (FHLBank Atlanta). Eligible first-time homebuyers may receive up to $17,500 in assistance through the First-Time Homebuyer program. Eligible community partners may receive up to $20,000 in assistance through the Community Partners program. All assistance is subject to household income limits, program-specific eligibility requirements, and the availability of funds. Additional terms and conditions apply. Consult your tax advisor regarding potential tax implications.

First-Time Homebuyer and Community Partners are products of the Federal Home Loan Bank of Atlanta. Household income restrictions and other program requirements apply. For complete product details and full eligibility requirements, please review FHLBank Atlanta's Affordable Housing Program Implementation Plan at www.fhlbatl.com.

Listerhill Credit Union is an Equal Housing Lender.

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Down Payment Assistance

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Down Payment Assistance

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