Georgia Dream Homeownership Program, Down Payment Assistance

Georgia Department of Community Affairs (DCA)

Available Home Repair

About This Program

Georgia Dream Homeownership Program, Down Payment Assistance is available in Atlanta, GA.

Provides 0% interest deferred down payment assistance loans to first-time homebuyers (or those who haven't owned a home in 3 years) using a 30-year fixed-rate mortgage. Standard Track offers up to $10,000; PEN Track (protectors, educators, nurses, active military) and Choice Track (household with disability) offer up to $12,500. Repayment is deferred until sale, refinance, or move-out.

Deferred loan, no monthly payment until sale or refinance. Reduces upfront cash needed at closing.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Atlanta, GA, you can combine this program with other local help to cut your cost:

Key Details

  • Must be a first-time homebuyer or not have owned in the past 3 years
  • Fulton County income limits: 1-2 persons $130,290 / 3+ persons $149,833
  • Max home sales price: $550,000 in Atlanta metro
  • PEN Track (protectors, educators, nurses, military): up to $12,500
  • Liquid assets cannot exceed $20,000 or 20% of sales price

How to Apply

Get free help applying Visit Official Program Page Track this program

800-359-4663

A grant-savvy contractor in Atlanta, GA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Atlanta early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing through participating lenders

Questions about this program?

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Frequently asked questions

How much can Georgia Dream Homeownership Program, Down Payment Assistance provide in Atlanta, GA?

Up to $10,000 (Standard) or $12,500 (PEN/Choice tracks).

Who qualifies for Georgia Dream Homeownership Program, Down Payment Assistance in Atlanta?

Georgia Dream Homeownership Program, Down Payment Assistance is available in Atlanta, GA. It serves veterans and military families.

How do I apply for Georgia Dream Homeownership Program, Down Payment Assistance in Atlanta, GA?

Apply directly with Georgia Department of Community Affairs (DCA) using the official program link on this page or call 800-359-4663. There is no middleman and no fee.

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