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Assistance program · Georgia

Georgia Dream Peach Plus Loan Program

FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement

Find a participating lender See the official page
WhatsApp
Most it gives, per the source
Up to 3.5% of the price, capped at $10,000
What its page says; your amount depends on the price and the loan.
Kind of help
Type not stated
The source does not say the type of help
First-time buyer?
No
No first-time requirement
Checked
November 5, 2026
Against the program's official page.

Type of help

What it is

  • The source does not say the type of help

What it gives

Up to 3.5% of the price, capped at $10,000

Source text

Standard - All eligible homebuyers may qualify! 3.5% (three and a half percent) of the purchase price or maximum of $10,000, whichever is the lesser amount. … Protectors, Educators & Nurses (PEN) - Are you a public protector, educator, healthcare provider — or work for these industries — or active military? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount. … Choice - Is a member of your family living with a disability? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount.

A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.

At a glance

Who qualifies

Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.

Source text

FHA and VA qualified borrowers who do not meet the eligibility requirements for the traditional Georgia Dream program are able to apply for the Georgia Dream Peach Plus Loan Program. … Have a household income up to the maximum … Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater) … Meet FHA and VA mortgage loan credit requirements … You do not need to be a first-time home buyer. … *Loans are 30-year fixed low interest rate mortgages. Participating lenders give credit approval for FHA and VA mortgage loans.
  • First-time buyers only No
  • Homebuyer course required Yes
  • Minimum credit score Not stated — ask
  • Income limit Per the program table (by county and household size)
  • Price limit Per the program table
  • Mortgages it works with FHA, VA
  • Immigration requirement Not stated — ask
  • Accepts ITIN? Not stated — ask
  • Spanish materials Not stated — ask
  • Program status The source does not say whether it is open — ask
  • Where it applies All of Georgia

What its page says about being open

Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.

Your area in numbers

What buying costs in Georgia

The program covers all of Georgia. The first column is Georgia's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.

The program sets its maximum price in a table. Compare it with the typical home value in Georgia: $303,300.

The typical home value ($303,300) fits within Georgia's FHA limit ($541,287).

The program sets its income limit in its own table. For reference, HUD's low-income limit for 4 people in Georgia is $63,700.

Figure GeorgiaLowest to highest Source
Typical home value $303,300$67,100 (Warren County) to $550,400 (Forsyth County) U.S. Census Bureau
FHA limit (one-unit home) $541,287$541,287 (Appling County) to $718,750 (Walton County) HUD
Conforming limit (one-unit home) $832,750$832,750 in all 159 counties FHFA
HUD low income (80%), household of 4 $63,700$61,600 (Appling County) to $94,250 (Walton County) HUD

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)

Step by step

How to use it, step by step

Each step comes from what the program's page says. What its page leaves out is further down, in the questions.

Find a participating lender

  1. Ask first whether it is open

    Its page does not say whether it is open or still has funds. That is the first thing to ask.

  2. Find your county in the income table

    The limit changes with the county and the number of people in your household. Count the income of everyone the program asks you to add.

  3. Check your county's maximum price

    The program sets a maximum price per county in its table.

  4. Take the homebuyer course

    The program requires it. HUD-approved housing counseling agencies teach courses. Georgia has 42 agencies on HUD's list, and 12 serve people in Spanish.

  5. Pick a mortgage it works with

    According to its page, the help is used together with a FHA and VA loan. Each loan type has its own requirements.

  6. Apply

    Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.

  7. Compare the total cost before you sign

    Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.

Before you call

What to ask

Its page leaves 5 points unclear. Write them down for when you talk to Georgia Department of Community Affairs.

What its page does not say

  • Is it open now, and does it still have funds?
  • What minimum credit score do you require?
  • Which immigration status or residency documents do you ask for?
  • Do you accept an ITIN?
  • Do you have materials or staff in Spanish?

Against the others

How it compares with Georgia's other programs

The 3 programs we checked in Georgia, with the same fields from their official pages. "Doesn't say" means its page does not make it clear.

It is the only one of Georgia's 3 programs that says you do not need to be a first-time buyer. It is one of 3 out of 3 that publish an amount with the figure in their own wording. It is the only program in Georgia on our list with "type not stated" help. It covers the whole state; one program on the list is only for a city or a county. 3 of the 3 require a homebuyer course, this one included.

Swipe the table to see every column.

ProgramKind of helpPublished amountFirst-time buyers onlyCourse requiredAccepts ITINWhere it applies
Georgia Dream Peach Plus Loan Programthis program Type not stated Up to 3.5% of the price, capped at $10,000 No Yes Doesn't say Statewide
Georgia Dream Homeownership Program Deferred Up to 5% of the price, capped at $10,000 Yes Yes Doesn't say Statewide
ATL HomeNOW Forgivable Up to $20,000 Doesn't say Yes Doesn't say Atlanta, Fulton County, DeKalb County

All programs in Georgia

Sources

How we checked this program

We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.

We check every program again. If more than 180 days pass without a check, the page says so.

A man leans over the armchair where a girl is reading a book.

Get free help applying

A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.

Find a counselor (HUD)

Read before you apply

Your county

Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.

Programs across the country

Run the numbers before you apply