Georgia Dream Homeownership Program

Georgia Housing & Finance Authority

Available Down Payment

About This Program

Provides down payment and closing cost assistance to first-time homebuyers in Georgia. Combines a 30-year fixed-rate first mortgage with up to $15,000 in down payment assistance as a zero-interest, forgivable second loan.

Down payment assistance loan forgiven after 15 years of occupancy

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $15,000 down payment assistance
  • Zero-interest second loan, forgiven after 15 years
  • Income limits vary by county (typically 140% AMI)
  • First-time homebuyer requirement (with exceptions)
  • Must complete homebuyer education course

How to Apply

A grant-savvy contractor in Norcross, GA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Rolling, subject to funding availability

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