Apply for the Georgia Dream Homeownership Program

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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.State 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.RollingDeadline: Scope: Statewidestate

Updated: Dec 6, 2025

Summary

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.

Benefits

down payment assistanceclosing cost assistancesecond mortgageno monthly paymentaffordable mortgagestate HFA loanapplication portal

Who Can Apply

homebuyerfirst-time homebuyerveteran homebuyerlow-income homebuyerGeorgia residentfrontline worker

Eligible Locations

Georgia residents who are first time homebuyers or meet Georgia Dream exception criteria, purchasing a primary residence anywhere in Georgia within program income and purchase price limits, including special options for military, public protectors, educators, healthcare workers, and households that include individuals with disabilities. Applicants must complete required homebuyer education and work through a participating Georgia Dream lender.

Eligibility

Georgia residents who are first-time homebuyers or meet Georgia Dream exceptions, purchasing a primary residence in the state within program income and price limits; special options exist for military, public protectors, educators, healthcare workers, and households including individuals with disabilities; homebuyer education and use of a participating lender are required

Full Description

This Georgia.gov page walks homebuyers through the steps required to access Georgia Dream mortgage and down payment assistance. It explains that the program combines affordable financing, down payment and closing cost help, and mandatory homebuyer education. Applicants are guided to verify their eligibility using income and purchase price limits, identify whether they qualify for enhanced assistance as military or frontline workers, and then contact a participating Georgia Dream lender to complete a pre-approval and submit the loan package. The page functions as a practical gateway for residents who are ready to move from researching Georgia Dream into actively applying.

Verification & Details

Status: Open

Source: georgia.gov

Official source → georgia.gov

Apply on official siteUpdated Dec 6, 2025

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Homestretch Down Payment Assistance Program – Gwinnett County

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