Georgia offers 62 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 14 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $919,430 through the most generous program. Credit score requirements start as low as 580 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Georgia Housing Market at a Glance
Georgia's DPA landscape is anchored by the Georgia Dream Homeownership Program administered by DCA (Georgia Department of Community Affairs), which offers $10,000 to $12,500 in second-mortgage assistance to qualifying buyers statewide. Atlanta, Savannah, Columbus, Augusta, Athens, and Macon all layer their own city or county programs on top of Georgia Dream.
Median Home Price
$345,000
Statewide, approximate 2026 Q1
Programs Available
62
Across Georgia statewide and local
Max Assistance
$919,430
Top single-program award
Top Down Payment Assistance Programs in Georgia
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Georgia Dream
openGeorgia Department of Community Affairs (DCA)
UP TO $10,000 ($12,500 for educators, protectors, and healthcare workers)
Georgia Dream Peach Plus
verifyGeorgia Department of Community Affairs (DCA)
UP TO $12,500
Georgia Dream PEN (Protectors, Educators and Nurses)
verifyGeorgia Department of Community Affairs (DCA)
6% of purchase price (max UP TO $12,500 (6% of purchase price, whichever is less))
Invest Atlanta Homebuyer Programs
verifyInvest Atlanta
UP TO $20,000
Atlanta Housing DPA
verifyAtlanta Housing
UP TO $20,000 ($25,000 for public service employees)
Savannah DreamMaker Home Purchase Assistance
verifyCity of Savannah
$7,500 to $50,000+
Fulton County Homeownership Program (HOP)
openFulton County Community Development
7.5% of purchase price (max UP TO $22,500 or 7.5% of purchase price)
Athens-Clarke County HOME Down Payment Assistance Program
verifyAthens-Clarke County Housing and Community Development Dept. / First American Bank and Trust
Varies; funded with approximately $919,430 in federal HOME funds
DPA by Georgia Metro
Median home prices and area median income differ across Georgia, which changes which programs make sense for each buyer.
Atlanta (Fulton/DeKalb)
- Median price
- $415,000
- 100% AMI (4 person)
- $104,300
Invest Atlanta, Atlanta Housing DPA, and Fulton County HOP layer with statewide Georgia Dream.
Savannah
- Median price
- $340,000
- 100% AMI (4 person)
- $87,700
Savannah DreamMaker offers up to $50,000, among the largest city DPA amounts in Georgia.
Augusta
- Median price
- $230,000
- 100% AMI (4 person)
- $75,400
Augusta Homeownership Program offers up to $5,000 layered on top of Georgia Dream.
Athens
- Median price
- $335,000
- 100% AMI (4 person)
- $80,000
Athens-Clarke County HOME DPA and Athens Housing Authority programs provide local assistance.
Columbus
- Median price
- $225,000
- 100% AMI (4 person)
- $69,800
NeighborWorks Columbus DPA offers multiple tiers up to $20,000 combined.
Macon
- Median price
- $200,000
- 100% AMI (4 person)
- $72,600
Macon-Bibb Affordable Housing Fund provides HOME-funded purchase assistance.
What DPA Looks Like for Real Georgia Buyers
Illustrative scenarios drawn from common buyer profiles. Actual eligibility and awards are determined by program administrators based on your documented income, credit, and property.
First-time buyer in Atlanta
- Household
- Single buyer, no dependents
- Income
- $85,000
- Target Purchase Price
- $380,000
DPA Strategy
Georgia Dream Peach Plus provides $12,500 as a 0 percent deferred second mortgage. Layered with an Invest Atlanta Homebuyer Program award of up to $20,000 (available in eligible Atlanta census tracts), total assistance reaches $32,500.
Buyer closes FHA or Conventional 97 with less than $5,000 out of pocket, preserving cash for emergency savings.
Teacher in Savannah
- Household
- Educator household, two children
- Income
- $65,000
- Target Purchase Price
- $330,000
DPA Strategy
Georgia Dream PEN (Protectors, Educators, and Nurses) provides $12,500. Savannah DreamMaker adds $7,500 to $50,000 based on income tier. A typical educator at 80 percent AMI receives about $25,000 from Savannah DreamMaker, for total assistance near $37,500.
Buyer locks a below-market interest rate through Georgia Dream PEN and closes with minimal cash.
Lower-income first-time buyer in Columbus
- Household
- Family of four at roughly 65 percent AMI
- Income
- $55,000
- Target Purchase Price
- $215,000
DPA Strategy
Georgia Dream standard award of $10,000 paired with NeighborWorks Columbus DPA of up to $20,000 for qualifying low-income buyers. Total assistance of roughly $30,000 effectively covers down payment and closing costs.
Buyer closes with very little cash from savings, and the DPA sits as silent second liens that are forgiven or repaid only on sale or refinance.
Scenarios are illustrative, not offers of credit. Your actual eligibility depends on full underwriting.
Grant Programs (14)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
ANDP-FHLBank Atlanta Down Payment Assistance Program
Atlanta Neighborhood Development Partnership (ANDP) Homes
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80-120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family (ANDP homes or existing homes in metro Atlanta)
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Below 120% AMI. $17,500-$20,000 available for below 80% AMI; $15,000 for 80.1%-120% AMI.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Grant - no repayment required (subject to 5-year retention period per FHLBank Atlanta guidelines)
Additional Requirements
Lender must apply on buyer's behalf. Must use ANDP-approved lender.
Notes
No first-time homebuyer requirement
NeighborWorks Columbus Community Partner Product (FHLBank Atlanta)
NeighborWorks Columbus
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Per FHLBank Atlanta guidelines
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, manufactured home
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- teachers, veterans, first responders, law enforcem...
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant - no repayment required
Additional Requirements
Employment/service verification required. Lender must contact NeighborWorks Columbus.
Notes
Both first-time and non-first-time buyers eligible
Delta Community Credit Union Down Payment Assistance (Community Partners Program)
Delta Community Credit Union
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Per FHLBank Atlanta guidelines
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- teachers, veterans, first responders, law enforcem...
- Homebuyer Ed.
- Yes
Repayment Terms
Grant - no repayment required (5-year retention period per FHLBank Atlanta)
Additional Requirements
Must become Delta Community CU member before loan processing. Georgia residents only.
Notes
Not restricted to first-time buyers
FHLBank Atlanta Community Partners Product
Federal Home Loan Bank of Atlanta (via member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Per HUD AMI guidelines; income limits ap...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured home
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- teachers, veterans, first responders, law enforcem...
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant subject to 5-year retention period. Pro-rated repayment if buyer leaves before 5 years.
Additional Requirements
Employment/service verification required. Must apply through member financial institution.
Notes
Both first-time and non-first-time buyers eligible
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
FHLBank Atlanta Homeownership Set-Aside First-Time Homebuyer Product
Federal Home Loan Bank of Atlanta (via member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured home
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Grant subject to 5-year retention period. If buyer leaves before 5 years, pro-rated repayment applies.
Additional Requirements
Must apply through member financial institution (not directly from FHLBank). Credit counseling may be required.
Notes
Must be first-time homebuyer
ANDP Veterans Down Payment Assistance Program
Atlanta Neighborhood Development Partnership (ANDP) Homes
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family (ANDP-approved properties)
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- veterans
- Homebuyer Ed.
- Yes
Repayment Terms
Seller contribution at closing - no repayment required
Additional Requirements
Veterans program only available for ANDP properties. Homebuyer education required.
Notes
No first-time homebuyer requirement
NeighborWorks Columbus NFHA Rural Down Payment Assistance Program
NeighborWorks Columbus / National Fair Housing Alliance (NFHA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Per NFHA and FHLBank Atlanta guidelines
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant - no repayment required
Additional Requirements
Lender must contact NeighborWorks Columbus to initiate. Rural county focus.
Notes
No first-time buyer requirement specified
FHLBank Atlanta Workforce Housing Plus+ Program
Federal Home Loan Bank of Atlanta (via member financial institutions)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80-120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80.01%-120% AMI (middle-income / workforce gap buyers)
Check AMI limits for your county →Repayment Terms
Grant - retention period terms apply
Additional Requirements
Must apply through member financial institution. Specifically targets workforce/middle-income buyers above standard affordable housing thresholds.
Notes
Not restricted to first-time buyers
First Generation Homebuyer
Atlanta Neighborhood Development Partnership(ANDP)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Cobb County My Home
Cobb County
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Income limits per county guidelines
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- $10,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Grant or 0% deferred loan depending on program tier
Notes
No first-time buyer requirement
Macon-Bibb County Affordable Housing Fund Down Payment and Closing Cost Assistance
Macon-Bibb County Affordable Housing Fund (MBCAHF)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 120% AMI ($84,825 for 4-person household in Bibb County)
Check AMI limits for your county →Repayment Terms
Terms vary by program; revolving loan fund structure
Additional Requirements
Contact MBCAHF directly for current program details and application process.
Notes
Eligibility not limited to first-time buyers; broader affordability focus
DeKalb County WE DeKalb
DeKalb County
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- FHA/VA: $111,580 (all sizes); Convention...
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, HFA Advantage
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
WE DeKalb Down Payment Grant Program
Decide DeKalb Development Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, FHA, VA
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Forgivable Loans (14)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Savannah DreamMaker Home Purchase Assistance
City of Savannah
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Household income restrictions apply (loc...
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Atlanta Housing DPA
Atlanta Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- $375,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Fulton County Homeownership Program (HOP)
Fulton County Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Invest Atlanta Homebuyer Programs
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80-120% AMI
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome, 2-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Invest Atlanta HOME Atlanta 4.0
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income limits per AMI (updated annually ...
- Min Credit Score
- 660+
- Property Types
- single-family, condo, townhome, 1-4 unit
- Max Price
- $375,000
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest forgivable second mortgage. Forgiven after 5 years of owner-occupancy.
Additional Requirements
FHA or VA loan only. Must use Invest Atlanta participating lender and partner attorney.
Notes
First-time homebuyer or no ownership in any home required
Invest Atlanta Atlanta Affordable Homeownership Program (AAHOP)
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income limits apply (per HUD AMI). Liqui...
- Min Credit Score
- 580+
- Property Types
- single-family, condo, townhome
- Max Price
- $223,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Income limits apply (per HUD AMI). Liquid assets must not exceed $10,000.
Check AMI limits for your county →Repayment Terms
Fully forgivable after 5 years (smaller amounts) or 10 years (larger amounts) of owner-occupancy.
Additional Requirements
Property must pass HQS and Environmental Review (paid by program). Must use Invest Atlanta participating lender and partner attorney.
Notes
First-time homebuyer or no current ownership in any home required
Invest Atlanta Perry Bolton Mortgage Assistance Program (PBMAP)
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, 2-4 unit
- Max Price
- $300,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 120% AMI for $10,000; at or below 80% AMI for $20,000
Check AMI limits for your county →Repayment Terms
0% soft second mortgage. Fully forgivable after 5 years of owner-occupancy.
Additional Requirements
$1,000 program fee. Property must be in Perry Bolton TAD. Max purchase price $300,000.
Notes
No first-time homebuyer requirement. Cannot have ownership interest in other property at closing.
City of Atlanta First-Time Homebuyers Down Payment Assistance Program
City of Atlanta / Atlanta Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income limits apply; income-eligible hou...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- $375,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest forgivable after 10 years of owner-occupancy.
Additional Requirements
6 months Georgia residency required. Homebuyer education required.
Notes
Must not have owned a home in the past 3 years
Clayton County DPA
Clayton County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income limits per county guidelines
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest, forgivable over 5-10 years
Additional Requirements
PAUSED. pending 2026 funding cycle
NeighborWorks Columbus DPA
NeighborWorks Columbus
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome, condo, manufactured home
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest, forgivable with completion of homebuyer education
Additional Requirements
Homebuyer education required
Gwinnett County HOMESTRETCH
Gwinnett County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 580+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Invest Atlanta Vine City Renaissance Initiative (VCRI)
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $112,000-$172,760 (varies by household s...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, 2-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Fully forgivable after 5 years of owner-occupancy.
Additional Requirements
$1,000 program fee. Renovation education class required. Can be used with 203k renovation loan.
Notes
Not specified as first-time buyer only
Invest Atlanta ATL Home Renovation Advantage (AHRA)
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- $96,000-$148,080 (varies by household si...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, 1-4 unit
- Max Price
- $375,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Fully forgivable after 5 years of owner-occupancy.
Additional Requirements
Must be purchased with a renovation loan. Max purchase price $375,000.
Notes
First-time homebuyer preferred; no ownership in any home at closing
Invest Atlanta Intown Mortgage Assistance Program (IMAP)
Invest Atlanta
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Low-moderate income
- Min Credit Score
- 660+
- Property Types
- single-family, condo, townhome
- Max Price
- $375,000
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest non-forgivable loan. Full principal repayable upon sale, refinance, or transfer within 5-10 year affordability period. Forgiven at end of affordability period if owner-occupied.
Additional Requirements
$1,200 program fee. Max DTI 45%. Must use Invest Atlanta participating lender and partner attorney.
Notes
Not restricted to first-time buyers
Deferred Payment Loans (33)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Athens-Clarke County HOME Down Payment Assistance Program
Athens-Clarke County Housing and Community Development Dept. / First American Bank and Trust
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan; repayment terms per HUD HOME guidelines
Additional Requirements
HUD HOME Program requirements apply. Homebuyer education and counseling required.
Notes
Homebuyer activities require first-time buyer or 3-year gap in homeownership
Sweet Home Columbus
City of Columbus
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Dream Maker Home Purchase Assistance
The City of Savannah Housing Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD
- Max Price
- $255,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
2%
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Fulton Homeownership Program
Confirm My Choices
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- $367,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred Payment - Repayment at sale or refinance
City of Savannah Employee Home Purchase
The City of Savannah Housing Department
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Georgia Dream
Georgia Department of Community Affairs (DCA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Up to $130,290 (1-2 persons) / $149,833 ...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, manufactured home (660 credit required)
- Max Price
- Up to $550,000 (varies by county)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to $130,290 (1-2 persons) / $149,833 (3+ persons); varies by county
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan, NOT forgivable. due on sale, refinance, or transfer
Additional Requirements
Homebuyer education required
Notes
First-time buyer or purchasing in targeted areas
Georgia Dream Peach Plus
Georgia Department of Community Affairs (DCA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Up to $195,435 (1-2 persons) / $224,750 ...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Up to $650,000 (varies by county)
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan, repayable. due on sale, refinance, or transfer
Notes
No first-time buyer requirement
Georgia Dream PEN (Protectors, Educators and Nurses)
Georgia Department of Community Affairs (DCA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Up to $130,290 (1-2 persons) / $149,833 ...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Up to $550,000 (varies by county)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- teachers, veterans, healthcare workers
- Homebuyer Ed.
- Yes
Income Limits
Up to $130,290 (1-2 persons) / $149,833 (3+ persons); varies by county
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan, non-forgivable. Due on sale, refinance, or when home is no longer primary residence.
Additional Requirements
Must be employed in qualifying profession. Homebuyer education workshop or counseling session required.
Notes
First-time buyer or purchasing in targeted area (no ownership in past 3 years)
Georgia Dream CHOICE (Persons with Disabilities)
Georgia Department of Community Affairs (DCA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Up to $130,290 (1-2 persons) / $149,833 ...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Up to $550,000 (varies by county)
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to $130,290 (1-2 persons) / $149,833 (3+ persons); varies by county
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan, non-forgivable. Due on sale, refinance, or when home is no longer primary residence.
Additional Requirements
Documentation of disability required. Homebuyer education required.
Notes
First-time buyer or purchasing in targeted area (no ownership in past 3 years)
Georgia Dream Homeownership Program (CHOICE)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $550,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $550,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sale or refinance and If programType is 'Loan' and Amortizing or Fully Amortizing is mentioned, set repaymentStructure to 'Fully Amortizing',and If programType is 'Loan' and Forgivable or Forgiven or Fully Forgiven is mentioned, set repaymentStructure to 'Fully forgiven at closing or forgiven on a schedule'
Peach Plus Loan Program (Choice)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $650,000
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Peach Plus Loan Program (PEN)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $650,000
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Douglas County Housing Partnership Down Payment Assistance Program
Douglas County Housing Partnership (DCHP)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan. Due upon sale or transfer. Forgivable terms not specified; residency requirement 10 years.
Additional Requirements
10-year owner-occupancy requirement. Must use DCHP approved lender. Must attend free homebuyer class.
Notes
Must not have owned a home in the previous 3 years (HUD definition)
Georgia Dream Homeownership Program (STANDARD)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $550,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Down-Payment Assistance Program
City of Canton
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units
- Max Price
- $1,396,800
Quick Facts
- Loan Types
- FHA, Freddie Mac, Fannie Mae +1, Fannie Mae, FHA +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Peach Plus Loan Program (Standard)
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $650,000
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Homestretch Down Payment Assistance Program
Gwinnett County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $410,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or cash-out refinance
DeKalb County First-Time Homebuyer Down Payment Assistance Program
DeKalb County Government
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 620+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income; income limits per county guidelines
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan; repayment terms per program guidelines
Additional Requirements
Homebuyer education required. Primary residence requirement.
Notes
Must be first-time homebuyer
Augusta Homeownership Program
City of Augusta
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- $360,000-$425,000 (per HUD MSA limits)
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
0% deferred or low-interest loan, may be forgivable
City of Warner Robins Homeownership Assistance Program
City of Warner Robins
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred loan terms; details vary by program cycle
Additional Requirements
Property must be within City of Warner Robins.
Notes
Must not have owned a home in the past 3 years
Downpayment Assistance Program
City of Augusta
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $227,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Memorial HCA Team Member Home Purchase Assistance
The City of Savannah Housing Department
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
St. Joseph's/Candler Team Member Home Purchase Assistance
The City of Savannah Housing Department
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Georgia Dream Peach Advantage Loan Program
Georgia Department of Community Affairs (DCA) / Lakeview Loan Servicing LLC
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 150% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, manufactured home (660 credit required)
- Max Price
- Up to $650,000 (varies by county)
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 150% of Area Median Income (AMI). Max home sales price up to $650,000.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest concurrent non-forgivable second mortgage. Due on sale, refinance, or when home is no longer primary residence.
Additional Requirements
Conventional loan only. Lender must be approved by DCA and Lakeview Loan Servicing LLC. Homebuyer education required.
Notes
No first-time buyer requirement. Both first-time and repeat buyers eligible.
Georgia Dream Peach Select Veterans Assistance Loan Program
Georgia Department of Community Affairs (DCA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Same as Georgia Dream Standard; varies b...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Up to $550,000 (varies by county)
Quick Facts
- Loan Types
- VA
- Assistance Type
- deferred loan
- Profession
- veterans
- Homebuyer Ed.
- Yes
Income Limits
Same as Georgia Dream Standard; varies by county. Max purchase price up to $550,000.
Check AMI limits for your county →Interest Rate
5.00% initial rate
Repayment Terms
Standard 30-year fixed VA loan. No DPA second lien.
Additional Requirements
VA loan eligibility required. Homebuyer education required. Cannot combine with Georgia Dream Second Mortgage DPA.
Notes
First-time buyer or no ownership in past 3 years required. Military re-stationed to new primary residence also eligible.
Athens Housing Authority Down Payment Assistance Program (AHA DPA)
Athens Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-115% AMI
- Min Credit Score
- 600+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- No
Income Limits
80%-115% of Athens-Clarke County AMI (moderate-income families)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred loan; repayment terms per program guidelines
Additional Requirements
One-on-one housing counseling required. Homeownership workshop required. No ownership of vacant land.
Notes
Must be first-time homebuyer and not own vacant land
ANDP Homebuyer Assistance Program (AHAP)
Atlanta Neighborhood Development Partnership (ANDP) Homes
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family (ANDP-approved properties)
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Below 80% AMI for most ANDP homes; some homes restricted to below 80% AMI
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest soft second mortgage with all payments deferred. Not forgivable. Due on sale, transfer, or after 40 years, whichever comes first.
Additional Requirements
Only available on select ANDP properties. Must use ANDP-approved lender.
Notes
Not limited to first-time buyers
Peach Advantage Loan Program
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- $650,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Peach Select VA Loan Program
Georgia Department of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $550,000
Quick Facts
- Loan Types
- VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Homeownership Program
Habitat for Humanity Savannah
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sales or finance
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
How to Apply for Down Payment Assistance in Georgia
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
What is the Georgia Dream Homeownership Program?
Georgia Dream is the statewide DPA program run by the Georgia Department of Community Affairs (DCA). It provides a $10,000 second mortgage ($12,500 for PEN profession buyers) paired with a 30-year fixed first mortgage. The loan is a 0 percent deferred second, repaid only when you sell, refinance, or pay off the first mortgage.
Who qualifies for Georgia Dream PEN?
Georgia Dream PEN (Protectors, Educators, and Nurses) is available to full-time peace officers, firefighters, EMTs, paramedics, certified educators, and licensed nurses. PEN buyers receive $12,500 instead of the standard $10,000. You still have to meet first-time buyer, income, and credit score requirements.
Is the Georgia Dream loan forgivable?
No, Georgia Dream is a deferred 0 percent loan, not a grant. The full amount is repaid when you sell, refinance, or pay off your first mortgage. Because it carries no interest and no monthly payment, it functions similarly to a grant in your month-to-month budget.
Can I use Georgia Dream outside of Atlanta?
Yes, Georgia Dream is statewide. Buyers in Savannah, Augusta, Macon, Columbus, Athens, Valdosta, and rural Georgia counties are all eligible as long as they meet income, credit, and first-time buyer requirements. Local city and county programs can often be layered on top.
What are the income limits for Georgia Dream?
Georgia Dream uses county-specific income limits indexed to HUD area median income (AMI). A typical 4-person household limit ranges from roughly $90,000 to $130,000 depending on the county. Your lender can pull the exact limit for your county and family size.
Can I stack Atlanta Housing DPA with Georgia Dream?
Yes. A common Atlanta-area strategy is Georgia Dream Peach Plus ($12,500) plus Invest Atlanta Homebuyer Program (up to $20,000) plus Atlanta Housing DPA (up to $20,000 for public service employees). Not every lender is approved for all three; work with a lender who has a current track record combining them.
What credit score do I need for Georgia Dream?
Georgia Dream generally requires a 640 middle credit score. Some lenders require 660 or higher depending on the first mortgage product (FHA, VA, USDA, or Conventional). Local programs layered on top of Georgia Dream sometimes accept lower scores on a case-by-case basis.
DPA Programs in Nearby States
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