Georgia Dream Home Buyer Program File

Max home price of $550,000 ; max income of ~$130k (1-2 persons) or ~$150k (3+ persons).

To qualify for Georgia Dream, applicants must generally meet the following criteria:

Max home price of $450,000 ; max income of ~$113k (1-2 persons) or ~$132k (3+ persons). georgia dream home buyer program

As of early 2026, the program offers three primary assistance levels based on the borrower's background:

Prepare the last three years of IRS transcripts and personal tax returns. Apply for the Georgia Dream Homeownership Program Max home price of $550,000 ; max income

You must work through a Participating Lender to pre-qualify.

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 Apply for the Georgia Dream Homeownership Program You

Provides $10,000 (or 5% of the purchase price, whichever is less) for any eligible homebuyer.