Georgia Dream

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Dreaming of buying your first home?  The Georgia Dream Homeownership Program fulfills homeownership dreams by providing affordable mortgage financing for eligible homebuyers.

Often the biggest obstacle to homeownership is being able to afford the down payment. The Georgia Dream Homeownership program can help qualified borrowers clear this hurdle!

Effective July 8, 2024:

Georgia Dream
Peach Plus 
Peach Select Veteran Assistance
Program targets first-time homebuyers.
Program targets qualified borrowers not currently served by the traditional GA Dream program. 
 
First-time homebuyer requirement is waived for this program.
Program targets veterans, active military and spouses. 
 
First-time homebuyer requirement is waived for this program.
 
Maximum home sales price* up to $425,000 
Maximum home sales price* up to $525,000.
Maximum home sales price* up to $425,000.
Maximum income limits* up to:
  • $120,439 (1-2 persons)
  • $138,505 (3+ persons)
Maximum income limits* up to:
  • $180,659 (1-2 persons)
  • $207,758 (3+ persons)
Maximum income limits* up to:
  • $120,439 (1-2 persons)
  • $138,505 (3+ persons)
Interest rate is determined by market rates.
High interest rate is determined by market rates.
Low interest rate. The initial rate is set to 5.00%.
Down payment assistance options are available.
Down payment assistance options are available.
No down payment assistance offered.

*Varies depending on purchasing area or county.

 

If you are interested in purchasing a home through the Georgia Dream Program, click on the "Homebuyers" icon below. 

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