5% of purchase price or $10,000 (whichever is less). 0% interest, deferred until you sell or refinance.
Georgia Dream is the state's flagship DPA program, offering $10,000 to standard applicants and up to $12,500 for buyers in targeted professions (public safety, healthcare, education, military). The assistance is a 0% interest second mortgage, fully repayable only upon sale, refinance, or transfer.
The program requires first-time buyer status and income below program limits. Georgia Dream works with FHA, VA, USDA, and conventional first mortgages and covers both down payment and closing costs. For the state's many military families near bases like Fort Moore and Kings Bay, the enhanced $12,500 amount for military borrowers is particularly valuable.
Works with FHA, VA, USDA, and conventional on eligible properties.
We'll show you how to combine Georgia Dream Standard with other programs to maximize your free money — personalized to your ZIP code and income.