Georgia First-Time Home Buyer Programs of 2025
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In the Peach State, first-time home buyers — considered to be buyers who haven’t owned a home in three years — can look to the Georgia Dream Homeownership Program for help finding mortgage financing. The home loan rates and fees are set by the Georgia Dream program.
Georgia Dream program highlights and eligibility requirements
A wide range of mortgage options are available for first-time home buyers through the Georgia Dream program, including 30-year fixed-rate FHA loans, VA loans and USDA Rural Development loans with low down payment requirements, as well as conventional home loans. There are several ways to qualify for down payment assistance.
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Highlights
Financing options are designed to be affordable.
Prepared borrowers usually close in about 60 days.
Down payment assistance is available.
Eligibility
640 minimum credit score.
Home buyer education required.
First-time home buyers, buyers who haven’t owned in three years and buyers of homes in “targeted areas.”
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