Welcome to the Georgia Department of Community Affairs

Georgia Dream Homeownership Program

What is Georgia Dream?

The Georgia Dream Homeownership Program provides first mortgage loans, down payment assistance and home buyer education to eligible home buyers. An eligible borrower must not have owned a home in the past three years, or must be purchasing a home in a targeted area. The borrower must meet income and purchase price limits, have limited assets, and must invest at least $1,000 into the purchase transaction.


Georgia Dream Brochures


Georgia Dream HHF DPA Flyers


Georgia Dream Information Videos


Down Payment Assistance


The Hardest Hit Fund Down Payment Assistance Program (HHF-DPA)

The Hardest Hit Fund Down Payment Assistance Program (HHF-DPA) provides $15,000 in down payment and closing cost assistance to eligible borrowers purchasing an existing home in ten of Georgia’s hardest hit counties: Fulton, Dekalb, Paulding, Clayton, Muscogee, Douglas, Gwinnett, Chatham, Henry and Bibb. $15,000 is available under this program on a first come, first served basis.


Borrowers who qualify for the Georgia Dream Program benefit from down payment assistance. All eligible borrowers qualify for $5,000.


Two additional programs are available: Down Payment Assistance for Protectors, Educators and Health Care Workers (PEN), and Down Payment Assistance for Families with members who are disabled (CHOICE). PEN and CHOICE eligible borrowers qualify for $7,500 in down payment assistance.

For additional assistance contact the Office of Homeownership
1-800-359-HOME (4663)

DCA ensures that persons with limited English proficiency have access to DCA Programs.
Global Translators are available.