State of Georgia
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State of GeorgiaGAFirst-Time HomeownerState of Georgia informational and application portal that connects eligible buyers to Georgia Dream affordable first mortgages and associated second loan down payment and closing cost assistance.
Updated: Dec 6, 2025
State portal page explaining how to start the application process for the Georgia Dream Homeownership Program, including steps to connect with an approved lender and complete homebuyer education.
Eligible for: Georgia residents who are first-time homebuyers or meet Georgia Dream exceptions, purchasing a primary residence in the state within program…
Funding: Describes Georgia Dream assistance amounts that generally range up to about 10,000 to 12,500 dollars depending on borrower category and loan option, delivered as a second mortgage with no monthly payments that becomes due when the home is sold, refinanced, or no longer used as the borrower's primary residence.Deadline: Rolling; applicants must work through participating lenders while funds remain availableRollingStatewidehomebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentfrontline workerdown payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanapplication portal