Ga Dream Home Buyer Program -

Assistance is provided as a . You do not make monthly payments on this loan; instead, it is repaid when you sell the home, refinance the primary mortgage, or move out.

To qualify, you must meet several financial and situational criteria as of early 2026:

The , managed by the Georgia Department of Community Affairs (DCA) , provides low-interest, 30-year fixed-rate mortgages and down payment assistance (DPA) to help low-to-moderate-income Georgians buy their first home. 1. Down Payment Assistance (DPA) Options ga dream home buyer program

Note: For other counties, limits are generally lower (e.g., $360,000 max price in rural areas). Obtain Homeownership with Georgia Dream Mortgage Products

Up to $10,000 (or 5% of the purchase price, whichever is less) for any eligible homebuyer. Assistance is provided as a

You must contribute a minimum of $1,000 of your own funds toward the purchase.

A minimum middle credit score of 640 is required. You must contribute a minimum of $1,000 of

$130,290 (1-2 persons) or $149,833 (3+ persons).