Georgia Dream Homeownership Program

Georgia Housing and Finance Authority

Available Down Payment

About This Program

Georgia Housing and Finance Authority program offering down payment and closing cost assistance for first-time homebuyers in Athens-Clarke County. Combines low-interest mortgage with forgivable second mortgage for down payment assistance.

Down payment assistance loan forgiven after 5-15 years of occupancy

Key Details

  • Up to $15,000 down payment assistance
  • First-time homebuyers in Athens-Clarke County
  • Income limits apply based on household size
  • Second mortgage forgiven after 5-15 years
  • Must complete homebuyer education

How to Apply

Deadline: Ongoing while funds available

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