Georgia Dream Homeownership Program
Open · Deferred loan (0%)5% of the price up to $10,000; 6% up to $12,500 for protectors, educators, nurses and households with a family member with a disability
A 0% second loan with no monthly payments, due when you sell, refinance or stop living in the home. Used with a Georgia Dream first mortgage. Georgia Dream Peach Plus waives the first-time buyer rule and allows higher incomes and prices, with 3.5% up to $10,000 (or 4% up to $12,500).
Who qualifies: First-time buyers for Georgia Dream; income and price limits; homebuyer counseling; at least $1,000 of your own money or gift funds.
Georgia Department of Community Affairs · Agency website → · Checked 2026-09-30