Georgia Down Payment Assistance
Georgia Down Payment Assistance Programs
A guide to current down payment assistance options in Georgia, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Georgia homebuyers.
Georgia Housing Finance Agency
Georgia Department of Community Affairs (DCA)
DCA administers the primary DPA programs for Georgia. Program details below are current as of April 23, 2026 - confirm current terms directly with DCA before applying.
Statewide DPA Programs in Georgia
Georgia Dream Standard
Georgia DCA
5% of the purchase price or $10,000, whichever is less, as a 0% interest second mortgage with no monthly payments. Balance is due at sale, refinance, or when the home ceases to be the primary residence.
Paired with: Conventional, FHA, VA, USDA
- First-time homebuyer: Required
- Primary residence only
- Homebuyer education required
First-time homebuyer means no ownership in the prior three years; requirement is waived in designated targeted areas.
Source: dca.georgia.gov
Georgia Dream PEN (Protectors, Educators & Nurses)
Georgia DCA
6% of the purchase price or $12,500, whichever is less, as a 0% interest deferred second mortgage.
Paired with: Conventional, FHA, VA, USDA
- First-time homebuyer: Required
- Primary residence only
- Homebuyer education required
Available to eligible public protectors, educators, and healthcare workers; occupational eligibility per DCA schedule.
Source: dca.georgia.gov
Georgia Dream CHOICE
Georgia DCA
6% of the purchase price or $12,500, whichever is less, as a 0% interest deferred second mortgage.
Paired with: Conventional, FHA, VA, USDA
- First-time homebuyer: Required
- Primary residence only
- Homebuyer education required
Available when the borrower, a co-borrower, or a dependent family member has a disability.
Source: dca.georgia.gov
Major City & County Programs in Georgia
Invest Atlanta Homebuyer Incentives
Invest Atlanta · City of Atlanta, GA
Down payment and closing cost assistance for owner-occupied purchases within Atlanta city limits. Forgivable grants up to $20,000 are available for targeted neighborhoods such as Vine City when occupied for at least five years.
Buyer must contribute at least $1,500 of their own funds, occupy the property as primary residence, not own other property, and complete homebuyer education with a participating educator.
Source: www.investatlanta.com
Georgia Notes for Homebuyers
- Georgia is an attorney-closing state; closings must be conducted by a licensed Georgia attorney.
- Georgia imposes a state intangible recording tax on new mortgage loans.
2026 Loan Limits in Georgia
Conforming (Conventional)
$806,500 baseline
FHA
$524,225 floor
Most Georgia counties use the FHA floor limit.
Live DPA Pricing for Georgia
Pricing below is sourced live from hundreds of wholesale lenders for a Georgia scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
Compare DPA options for Georgia with live pricing
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