Georgia Department of Community Affairs – Georgia Dream
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Georgia Department of Community Affairs – Georgia DreamGAFirst-Time HomeownerGeorgia Department of Community Affairs statewide housing finance agency program that offers affordable 30 year fixed rate first mortgages paired with second loan down payment and closing cost assistance for eligible buyers.
Updated: Dec 6, 2025
Statewide first-time homebuyer program providing affordable 30-year fixed-rate mortgages with layered down payment and closing cost assistance for Georgia residents.
Eligible for: Primarily first-time homebuyers in Georgia (or those who have not owned a home in the last three years), plus certain exceptions for veteran…
Funding: Standard Georgia Dream down payment assistance provides up to 10,000 dollars, with enhanced PEN and CHOICE options offering up to 12,500 dollars for eligible public service workers or households that include a person with a disability, structured as a second loan with no monthly payments that becomes due when the home is sold, refinanced, or no longer the buyer's primary residence.Deadline: Rolling, subject to funding and participating lender pipelineRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentdown payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanhomebuyer education required