Georgia Dream Homeownership Program, Down Payment Assistance

Georgia Department of Community Affairs (DCA)

Open Home Repair

About This Program

Provides 0% interest deferred down payment assistance loans to first-time homebuyers (or those who haven't owned a home in 3 years) using a 30-year fixed-rate mortgage. Standard Track offers up to $10,000; PEN Track (protectors, educators, nurses, active military) and Choice Track (household with disability) offer up to $12,500. Repayment is deferred until sale, refinance, or move-out.

Deferred loan, no monthly payment until sale or refinance. Reduces upfront cash needed at closing.

Key Details

  • Must be a first-time homebuyer or not have owned in the past 3 years
  • Fulton County income limits: 1-2 persons $130,290 / 3+ persons $149,833
  • Max home sales price: $550,000 in Atlanta metro
  • PEN Track (protectors, educators, nurses, military): up to $12,500
  • Liquid assets cannot exceed $20,000 or 20% of sales price

How to Apply

Visit Official Program Page Track this program

800-359-4663

Deadline: Ongoing through participating lenders

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find Contractors in Atlanta, GA Are You a Contractor? Get Listed

Find More Programs in Atlanta, GA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs