The Fulton County Homeownership Program (HOP) offers eligible first-time homebuyers down payment and closing cost assistance. The Fulton Homeownership Program (HOP) provides down payment and closing cost assistance to income-eligible homebuyers who have the capacity to purchase a home.The Homebuyer Advantage Plus® Mortgage at Fulton Bank is for first time homebuyers, and features a low down payment and flexible credit requirements. We've got the answers in our FAQs. The down payment section refers to any money you put down on the purchase. Down payment will vary with APR and credit. Manufactured home taxes are generally due on March 1 st for the first half billing and July 31 st for the second half billing.