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GAdeferred loanactive
Georgia Dream Homeownership Program
Georgia Department of Community Affairs
$7,500–$12,500 DPA (boost for protectors/educators/healthcare)
Overview
Up to $12,500 DPA for Georgia first-time buyers — bigger amount for first responders, teachers, healthcare.
Detailed requirements
First-time buyer. Standard: $7,500. PEN (Protectors, Educators, Nurses): $10,000. CHOICE (disability) and HARDEST HIT areas: $12,500. Deferred 2nd mortgage, no payments until sale/refi.
Eligibility at a glance
- First-time buyer required
- Yes
- Min credit score
- 640
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.