Georgia · Deferred 0% loan

Georgia Dream PEN

$12,500

6% of price or $12,500 for protectors, educators, nurses, healthcare workers, and active military.

Georgia Dream PEN provides $12,500 for protectors, educators, and nurses. The additional $2,500 over the standard $10,000 Georgia Dream amount recognizes the essential role these professionals play in Georgia's communities.

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 Choice $12,500

Georgia · Deferred 0% loan

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

Georgia · DPA program

All Georgia programs →

Get your free stacking strategy

We'll show you how to combine Georgia Dream PEN with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All Georgia programs →