Georgia has more first-time-buyer help than almost anyone tells you — a statewide program, federal Home Loan Bank funds, and city and county programs on top. Here are the real programs KevaAI checks and stacks for you, without wading through generic national loan pages. This help is not all free money: some of it is yours to keep, some is written off if you stay in the home, and some is repaid when you sell or refinance. Each program below says which it is, and says so when we have not confirmed the terms.
Conceptual · stays on this guide
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See how these programs layer together — the rules, the order, and why combining them shrinks your cash to close. No sign-up, no numbers of your own required.
Dollar amounts show the conservative standard tier through the headline maximum. Enhanced tiers, income caps, and eligibility vary — always confirm against each program before you rely on a figure.
Last verified May 25, 2026 · KevaAI Content Team
Georgia Dream
Georgia DCA · State program
Deferred loan
$10,000–$12,500
No monthly payments, but repaid in full when you sell, refinance or move out.
Figures subject to change — verify current limits with the program (as of 2026-05-25).
0%-interest deferred second loan (repaid on sale/refi/move-out), not a forgiven grant. For buyers exceeding traditional Georgia Dream caps. Confirm tier amounts/income caps against the DCA matrix.
Written off after a set period in the home. Repayable if you sell or move out early.
Figures subject to change — verify current limits with the program (as of 2026-05-25).
FederalFirst-time & repeatIncome ≤ 80% AMI
$17,500 first-time / $20,000 community partners. Household income must be <=80% AMI; minimum $1,000 buyer contribution; forgivable after a 5-year retention period. Layers on top of a primary DPA via a member bank.
AAHOP / IMAP up to ~$10,000; Vine City Renaissance up to $20,000. Property must be inside City of Atlanta limits; income tied to AMI tiers; mandatory Invest Atlanta Q&A attendance; participating lender required.
$20,000 standard / $25,000 Heroes / up to $60,000 voucher pilot. Must purchase inside City of Atlanta limits; income at or below 80% AMI; max purchase price $375,000.
Up to $22,500 based on financial need. First-time buyer; income at or below 80% AMI ($94,250 for a 4-person family); max purchase $347K existing / $367K new build. Excludes Atlanta only (Aug-2026 policy — five previously excluded cities removed). No programme credit floor. Source PDF contradicts itself on the affordability period (s4.3 says 10 years under $22,500; the s8.1 table says 5 years under $25,000) — unverified pending a call to the county.
2% of loan + an additional $10K-$15K for public employees (not counted in the baseline). Repeat buyers allowed; max FHA loan $498,257; min FICO 660; income caps up to $149,240.
Up to $10,000. First-time buyer; income <=80% AMI; max purchase $349K existing / $410K new construction; 0% interest, 5-year forgivable soft second mortgage. Gwinnett side of Buford qualifies.
Figures subject to change — verify current limits with the program (as of 2026-05-25).
Estimated assistance only — not a commitment or guarantee of eligibility. Program availability, amounts, and which programs can be combined depend on each program's current rules, household and credit verification, lender approval, and underwriting. KevaAI is not a lender.
This guide is for informational purposes only and is not financial, legal, or tax advice. Programs, figures, and eligibility change — consult a licensed professional before making decisions about your home purchase.
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