Georgia Dream Homeownership Program - Renovation Loan

Georgia Housing Finance Authority

Available Home Repair

About This Program

Allows first-time homebuyers to finance home repairs and improvements as part of their mortgage. Funds are rolled into the home purchase loan at competitive interest rates for eligible buyers purchasing in Georgia.

Renovation costs added to mortgage, subject to underwriting approval

Official source site checked live on 2026-06-17.

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

Key Details

  • Renovation financing for first-time buyers
  • Up to $25,000 in home improvement costs
  • Added to mortgage at competitive rates
  • Income limits apply by county
  • Must use approved lender

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 359-4663

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Peachtree Corners early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, subject to available funding

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