Georgia Homebuyer Assistance and Down-Payment Resources

Homebuyer assistance is program-specific and changes over time. Start with current government sources, complete any required education, and compare the full loan terms with a qualified lender before relying on an amount or eligibility assumption.

This page replaces an outdated grant advertisement. Rising Star Properties does not promise a grant, approval, rate, payment, savings, or eligibility. Some assistance is a repayable second mortgage rather than a gift. Program limits, funding, participating lenders, property rules, and borrower qualifications can change.

Georgia Dream Homeownership Program

The Georgia Department of Community Affairs describes mortgage products, down-payment-assistance options, participating-lender requirements, and homebuyer education. Use DCA's current pages for the governing details.

DCA explains that its down-payment assistance may be structured as a zero-interest second mortgage with no monthly payment and repayment triggered by events such as sale, refinance, or the home no longer being the borrower's primary residence. Verify the current product you are considering.

HUD-approved housing counseling

A housing counselor can help with renting, budgeting, buying, mortgage readiness, default, foreclosure, and other housing questions.

Find Georgia housing and counseling resources through HUD

Independent mortgage-shopping tools

The Consumer Financial Protection Bureau publishes a home-loan toolkit and Loan Estimate resources to help consumers compare costs, terms, and questions for lenders.

Use the CFPB Home Loan Toolkit

Use Rising Star's Loan Estimate Comparison Worksheet

A safer sequence

  1. Review your budget, credit, savings, debts, and expected ownership costs.
  2. Use official program pages and a qualified housing counselor when appropriate.
  3. Compare more than one lender and request written Loan Estimates.
  4. Confirm whether assistance is a grant, forgivable loan, deferred loan, or repayable lien.
  5. Ask about occupancy, income, sales-price, property, education, and repayment rules.
  6. Keep your right to choose your lender, brokerage, inspector, insurer, and closing professionals, subject to applicable transaction requirements.

Build the rest of your buying plan

Use the 2026-2027 Georgia buyer guide, Decision Lab, and live home search to organize your next questions.

Read the buyer guide   Open the calculators   Ask for help

Last reviewed October 12, 2026. Program information can change without notice; verify details directly with DCA, HUD, CFPB, the counselor, and the lender.

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