Georgia Dream

Georgia Dream Homeownership Program

Often the biggest obstacle to homeownership is being able to afford the down payment. The Georgia Dream Homeownership Program can help make this happen for qualified borrowers.

The Georgia Dream program was created to make homeownership possible for eligible low and moderate income Georgians by providing affordable financing options, down payment assistance, and homebuyer education.

Potential home buyers apply with participating lenders for Georgia Dream loans.  The loans are secured or guaranteed by FHA, VA, USDA-RD or conventional uninsured loans. 

Eligible Applicants

An eligible applicant is a:

  • first time home buyer
  • home buyer who has not owned a home in the past 3 years
  • home buyer who purchases a home in a targeted area

Applicants must have a minimum middle credit score of 640, must meet income and purchase price limits and must have limited liquid assets. 

Maximum Household Income & Home Sales Price

If you purchase in one of these Georgia 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

Purchase price cannot exceed $250,000


What is the Georgia Dream Homeownership Program?

How do you qualify for Georgia Dream?

Do you have to pay back Georgia Dream?

The Georgia Dream Homeownership Program can make it a reality! This program offers affordable mortgages for eligible home buyers.