Your real Georgia affordability, the Georgia Dream Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Georgia number — free →The Georgia Dream Standard loan provides 5% of the property purchase price or $10,000, whichever is less. Public protectors, educators, healthcare providers and active military may qualify for the PEN option, which provides 6% of the purchase price or $12,500, whichever is less.
Official Georgia program page →Georgia's main statewide option is the Georgia Dream Down Payment Assistance — second mortgage administered by the agency or organization shown on its official program page. Many cities and counties in Georgia add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Georgia assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official Georgia Dream Down Payment Assistance page before applying.