Provides $10,000 (or 5% of the purchase price, whichever is less) for any eligible homebuyer.
Provides $12,500 (or 6% of the purchase price) for households that include an individual living with a disability. Eligibility Requirements
Prepare the last three years of IRS transcripts and personal tax returns. Apply for the Georgia Dream Homeownership Program georgia dream home buyer program
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
Liquid assets cannot exceed or 20% of the sales price. Provides $10,000 (or 5% of the purchase price,
To qualify for Georgia Dream, applicants must generally meet the following criteria:
These vary by county but generally follow these tiers: Apply for the Georgia Dream Homeownership Program The
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 .
