Georgia program
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Peach Advantage is a conventional-only statewide first mortgage. The DPA is optional, not automatic, and the selected tier can be 0%, 2%, 3%, 4%, or 5% of the base first-mortgage amount.
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Peach Advantage offers optional down payment assistance from 0% to 5% of the first-mortgage base loan amount.
Conventional first mortgage with optional DPA
If Peach Advantage assistance is used, DCA documents it as a 0% interest deferred non-forgivable second mortgage with no monthly payment that becomes due on sale, refinance, or loss of owner occupancy.
Not required
Program guide
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Georgia first-time homebuyers, Georgia repeat homebuyers, Borrowers using a Georgia Dream participating lender
Peach Advantage offers optional down payment assistance from 0% to 5% of the first-mortgage base loan amount. Current consumer materials market the typical range as 2% to 5%, while the 2025 seller guide and matrix also preserve a 0% option.
If Peach Advantage assistance is used, DCA documents it as a 0% interest deferred non-forgivable second mortgage with no monthly payment. The second mortgage becomes due when the home is sold, the first mortgage is refinanced, or the property is no longer owner-occupied as the borrower's principal residence.
Complete the required homebuyer education, contact a Georgia Dream participating lender for prequalification, and have the lender originate the conventional first mortgage and any selected Peach Advantage assistance tier through the DCA program workflow.
Current DCA materials show Peach Advantage as a live conventional-only 30-year fixed statewide program for first-time and repeat buyers, with optional 0% to 5% deferred second-mortgage assistance, 150% AMI income eligibility, and geography-based sales-price caps.
2026-04-22
Program information effective 2025-07-01
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Comparison preview
Amount: Peach Advantage offers optional down payment assistance from 0% to 5% of the first-mortgage base loan amount.
Repayment: If Peach Advantage assistance is used, DCA documents it as a 0% interest deferred non-forgivable second mortgage with no monthly payment that becomes due on sale, refinance, or loss of owner occupancy.
First-time buyer: Not required
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Paid research preview
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