Georgia Dream Standard
Zero-interest down payment and closing cost assistance up to 5% of the purchase price or $10,000, paid back when you sell or refinance. Income and price limits apply by county.
First-time buyer hub
Your first home is closer than you think.
This hub is the playbook we use with every first-time buyer in Gwinnett, Barrow, and Jackson counties: the programs that lower your down payment, the loan options that fit your situation, and the step-by-step process that keeps you confident from first search to front door.
Loan options
Compare how much you'll put down.
| Loan type | Down payment | Best for |
|---|---|---|
| Conventional | As low as 3% down (3% to 5% typical) | Best credit and assets |
| FHA | 3.5% down | Great for first-time buyers |
| VA | 0% down, no PMI | Eligible service members & veterans |
| USDA | 0% down in eligible areas | Rural & emerging areas, parts of Barrow |
| Georgia Dream | DPA up to $10,000-$12,500 | Pays part of your down payment |
Rates, terms, and eligibility change. We confirm current program details with your lender before you rely on any number here.
Georgia helps
Down payment assistance you may not know about.
The Georgia Dream program, run by the Georgia Department of Community Affairs, offers zero-interest assistance through participating lenders. You'll need homebuyer education, and income and price limits vary by county, which is exactly what we confirm for you.
Georgia Dream PEN
Higher assistance, up to $12,500, for Protectors, Educators, and Nurses: teachers, healthcare workers, and first responders buying their first home.
Georgia Dream Peach Select
A VA-based product designed for active-duty military and veterans, with down payment assistance options.
Official program details: Georgia Department of Community Affairs, Georgia Dream mortgage products . We also explain the Peach Plus and Peach Select products on your qualifying call.
Your first three moves
Start here this week.
- 01
Pull your credit and savings together
Know your credit score, your savings, and your monthly comfort zone before you ever tour a home.
- 02
Talk to a lender about pre-approval
A pre-approval tells you your real number and makes sellers take you seriously.
- 03
Book a strategy call with us
We map your budget to the right towns, school zones, and off-market opportunities.
Tell us where you'd like to land
We'll reply with towns, price ranges, and programs that fit your situation.
Thank you, we're on it.
Ryan and Sarah will reach out soon. Need us faster? Call or text (706) 362-3145.