Programs to stack
Georgia Dream first mortgage (3.5% down), Atlanta Beltline Affordable Housing Trust Fund (up to $30k), and Invest Atlanta's HomeAtlanta program (up to $10k down-payment assistance). These can stack for households at or below 80% of AMI.
Neighborhoods to research
West End, English Avenue, Adair Park, and Capitol View are still under $250k median, though gentrification is happening fast. East Lake and Mechanicsville offer some inventory under $200k.
Black-led lenders in Atlanta
Citizens Trust Bank (Black-owned since 1921), Atlanta Postal Credit Union, and Credit Union of Georgia have local underwriters and faster turnaround than national banks.