Georgia Dream Homeownership Program

Georgia Housing and Finance Authority (GHFA)

Available Down Payment

About This Program

Down payment and closing cost assistance for first-time homebuyers purchasing in Houston County. Provides 30-year fixed-rate mortgages with competitive rates plus up to $7,500 in grant assistance for qualified buyers.

Grant amount varies by income and purchase price; estimate for typical first-time buyer

Official program page checked live on 2026-06-17.

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

Key Details

  • Up to $7,500 down payment/closing cost grant
  • First-time homebuyers or non-owners for 3+ years
  • Income limits vary by household size
  • Purchase price limits apply ($450,000 in Houston County)
  • Must complete homebuyer education course

How to Apply

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

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).
  • The program's own application form, completed (use the official link or phone number on this page).

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 funding availability

Questions about this program?

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