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Georgia Dream Homeownership Program


Georgia Dream Homeownership Program

Dreaming of owning your own home?

The Georgia Dream Homeownership Program may be the missing piece to make that dream of yours a reality! This program offers affordable mortgages for eligible home buyers.

Is the Georgia Dream program fit for me?

Georgia Dream loans are available to:

First-time home buyers who have a household income up to the maximum requirement.

Home buyers who have not owned a home in the past three years that have liquid assets of no more than $20,000or 20% of the sales price. (Whichever is more)

Those who purchase a home in certain areas and meet mortgage loan credit requirements. (See map below)

*Loans are 30-year fixed interest rate mortgages. Participating lenders give credit approval for FHA, USDA-RD, VA or conventional eligible mortgage loans.

Maximum Household Income & Home Sales Price

The purchase price cannot exceed $250,000 and house income cannot exceed $74,000 for 1 or 2 persons or $84,500 for 3 or more persons in the following counties: Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, or Walton.

The purchase price cannot exceed $200,000 and household income cannot exceed $60,500 for 1 or 2 persons or $69,500 for 3 or more persons in any other county not listed above.

Income limits are subject to change. Please visit for current limits.

Need help with your down payment?

A big obstacle that can prevent homeownership is not being able to afford the down payment. The Georgia Dream Homeownership Program helps qualified borrowers get into a home for a minimum of $1,000 down!

See Down Payment Loan Options below.

Down Payment Loan Options


All eligible home buyers may qualify for $5,000 in assistance.


Are you a public protector, educator,health care provider or active military? If so, you may qualify for $7,500 in assistance through the PEN program.


Is a member of your family living with a disability? If so, you may qualify for $7,500 in assistance through the CHOICE program.

How to get started?

Contact a Georgia Dream Participating Lender to pre-qualify and begin the mortgage loan process. Go to to find a list of participating lenders, or call 1-800-359-HOME (4663).

Georgia Dream Targeted Areas

The Georgia Dream Homeownership Program is available to eligible first time home buyers in all Georgia counties.

However, if you purchase a home in one of the targeted counties shaded in green, you do not have to be a first-time home buyer.

Are you a first time home buyer?

You may be eligible to pay only $15,000 for downpayment, closing costs and prepaid costs when purchasing a home.

Georgia Dream Hardest Hit Fund Down Payment Assistance

You may qualify if you are a first time home buyer, meet the criteria and purchasing in one of the 10 qualified Georgia counties.

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