*Effective February 15, 2023, the amounts of each loan type are temporarily increased to the following limits:
Down Payment Loan Options
$10,000: STANDARD — All eligible homebuyers may qualify!
$12,500: Protectors, Educators & Nurses (PEN) — Are you a public protector, educator, healthcare provider — or work for these industries — or active military?
$12,500: CHOICE — Is a member of your family living with a disability?
Georgia Dream loans* are available to:
- First-Time Home Buyers, OR
- Homebuyers who have not owned a home** in the past three years, OR
- Those who purchase a home in certain areas
Who Also:
- Have a household income up to the maximum
- Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater)
- Meet mortgage loan credit requirements
*Loans are 30-year fixed interest rate mortgages. Participating lenders give credit approval for FHA, USDA-RD, VA or conventional eligible mortgage loans.
**Homebuyers who have not had interest or ownership in a primary residence in the last three years.
Home Sales Price and Maximum Household Income: Effective 1/1/2023
$350,000 - 1-2 persons: $86,500 & 3+ persons: $99,500
Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area
Barrow County, Bartow County, Carroll County, Cherokee County, Clayton County, Cobb County, Coweta County, Dawson County; DeKalb County, Douglas County, Fayette County, Forsyth County, Fulton County, Gwinnett County, Heard County, Henry County, Jasper County, Newton County, Paulding County, Pickens County, Pike County, Rockdale County, Spalding County, Walton County
$325,000 - 1-2 persons: $76,000 & 3+ persons: $87,500
Jackson County, GA
Jackson County
$318,000 - 1-2 persons: $74,500 & 3+ persons: $86,000
Monroe County, GA HUD Metro FMR Area
Monroe County
$315,000 - 1-2 persons: $76,000 & 3+ persons: $87,500
Gainesville, GA MSA
Hall County
$297,000 - 1-2 persons: $74,500 & 3+ persons: $86,000
Warner Robins, GA HUD Metro FMR Area
Houston County
$297,000 - 1-2 persons: $75,000 & 3+ persons: $86,000
Savannah GA MSA
Bryan County, Chatham County, Effingham County
$297,000 - 1-2 persons: $74,500 & 3+ persons: $86,000
Georgia FY 2022
All Remaining Georgia Counties
How Do I Get Started?
Contact a Georgia Dream Participating Lender to pre-qualify and begin the mortgage loan process. Click the icon below to find a list of participating lenders or call 1-800-359-HOME (4663).