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!

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Housing

Georgia Dream Loan Options

Program information listed below is effective as of July 8, 2024.

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