Down Payment Assistance!!!

The Georgia Department of Community Affairs offers Georgia home buyers The Georgia Dream Homeownership Program, available to qualified borrowers statewide who meet certain income guidelines and who are purchasing homes within certain purchase price limits. In addition, borrowers must have modest assets and meet the flexible credit underwriting criteria for the loan program they have selected.

In short, the State of Georgia offers low rate FHA financing to qualified First Time Home Buyers under the plan and offers $5,000 to $7,500 in Down Payment Assistance in the form of a 2nd mortgage that has NO INTEREST and NO PAYMENTS!  The money only has to be paid back when the property is sold one day, refinanced, or no longer used as a primary residence.  The borrower need only have $1000 of personal funds in the transaction. 

Click on the links below for additional information.  The PEN program offers $7,500 to Protectors, Educators, and Health Care Employees!

Downloads & Related Links

Georgia Dream Homeownership Program Brochure

Please contact me now for additional information.

Below is some of the basic criteria:

30 year

Fixed Interest Rates

First Mortgage Loans


For credit eligible first time home buyers in the Atlanta MSA

May qualify for:

$5,000 to $7,500

Down payment




Must be used in conjunction with a

Georgia Dream first mortgage loan.