Down Payment Assistance Loans

We want to make your homeownership dreams a reality. Ameris Bank partners with other organizations within our communities to offer a variety of down payment assistance programs for customers who qualify.


  • Support with down payment
  • Closing cost assistance
  • Options vary by state

Assistance to support home ownership

Learn more and discuss these down payment assistance programs with your Ameris Bank mortgage banker

Federal Home Loan Bank Grants & Assistance Programs

  • Must be primary residence with forgivable loan options after 5 years
  • Homebuyer counseling required
  • Grant funds can be used for down payment and closing costs

USDA Rural Development Loan

  • Up to 100% financing of the appraised value of the home for eligible borrowers
  • No down payment required
  • Restrictions based on income and location

Ameris Dream

  • Loans for first-time homebuyers with limited funds for a down payment
  • Up to 100% financing for eligible first-time homebuyers
  • No mortgage insurance required
  • Borrower must contribute minimum of $500

Conventional 97 Loan

  • As little as 3% down payment (all can be gifted)
  • Mortgage insurance required
  • One-unit primary residence

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All loans are subject to credit approval and eligibility requirements may apply.

This document is not a complete description of all eligibility requirements. Additional program restrictions may apply.

Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.