Georgia · Deferred 0% loan

Georgia Dream Choice

$12,500

6% of price or $12,500 for families with a member living with a disability.

Georgia Dream Choice provides $10,000 in DPA for first-time buyers statewide. The 0% interest deferred second mortgage has no monthly payments and is repaid only upon sale, refinance, or transfer of the property.

Amount$12,500

TypeDeferred 0% loan

Available inGeorgia

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Georgia Dream Standard $10,000

Georgia · Deferred 0% loan

Georgia Dream PEN $12,500

Georgia · Deferred 0% loan

Georgia Dream Peach Advantage 0-5% DPA, conventional loan, repeat buyers welcome

Georgia · DPA program

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