Up to $12,500 in down payment assistance for first-time Georgia homebuyers.
Georgia Dream is the state's flagship homeownership program, administered by the Georgia Department of Community Affairs (DCA). It provides affordable mortgage financing and down payment assistance to help Georgians achieve homeownership.
0% interest, deferred loan. No monthly payments. Repaid when you sell, refinance, or pay off the mortgage.
For public protectors, educators, healthcare workers, and military. Same deferred terms.
The $12,500 PEN assistance is available to:
Your household income cannot exceed:
| Household Size | Metro Atlanta | Most Other Counties |
|---|---|---|
| 1-2 persons | $96,000 | $84,000 |
| 3+ persons | $110,400 | $96,600 |
Income limits vary by county. Check the DCA website for your specific area.
Georgia Dream can be combined with FHA, VA, or USDA loans. A VA buyer could get 0% down PLUS $12,500 toward closing costs!
| Program | Amount | Forgiveness? | Who Qualifies |
|---|---|---|---|
| Georgia Dream Standard | $7,500 | No (deferred) | First-time buyers |
| Georgia Dream PEN | $12,500 | No (deferred) | Essential workers |
| FHA 203(k) | Varies | No | Fixer-uppers |
| Local DPA Programs | $5-25K | Sometimes | Varies by city/county |
Processing time: DPA approval typically takes 2-5 business days after loan approval.
Connect with lenders who specialize in Georgia Dream programs.