First-Time Homebuyer Programs in Georgia

Georgia offers robust homebuyer assistance through the Georgia Dream program, administered by the Department of Community Affairs. The Georgia Dream Standard program provides up to $10,000 in zero-interest deferred down payment assistance for first-time buyers, with up to $12,500 available for protectors, educators, nurses, and families with a disabled member. The Georgia Dream Peach Plus program extends FHA and VA financing with similar DPA to buyers who are not first-time purchasers. The newer Georgia Dream Peach Advantage program offers conventional loan options with 2-5% down payment assistance.