The is a state-funded initiative designed to help low-to-moderate-income families purchase homes by providing affordable 30-year fixed-rate mortgages and significant down payment assistance. Managed by the Georgia Department of Community Affairs (DCA) , the program can provide up to $12,500 in assistance, which is typically structured as a 0% interest deferred second mortgage that only requires repayment when you sell, refinance, or move. Down Payment Assistance Tiers
Provides $12,500 (or 6% of the purchase price) for households that include an individual living with a disability. Eligibility Requirements georgia dream home buyer program
As of early 2026, the program offers three primary assistance levels based on the borrower's background: The is a state-funded initiative designed to help
Must be a first-time homebuyer , meaning you have not owned a home in the last three years (this requirement is waived in certain "targeted areas"). Credit & Financials: Minimum credit score of 640 . Eligibility Requirements As of early 2026, the program
Max home price of $550,000 ; max income of ~$130k (1-2 persons) or ~$150k (3+ persons).
To qualify for Georgia Dream, applicants must generally meet the following criteria:
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