Georgia program
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Standard down payment assistance is 3.5% of the purchase price up to $10,000; PEN and CHOICE assistance is 4% of the purchase price up to $12,500, whichever is less.
Multiple assistance options
The Peach Plus first mortgage is a 30-year fixed loan. If Georgia Dream down payment assistance is used, it is a deferred second mortgage that becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property is no longer the borrower's principal residence.
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Standard down payment assistance is 3.5% of the purchase price up to $10,000; PEN and CHOICE assistance is 4% of the purchase price up to $12,500, whichever is less.
The Peach Plus first mortgage is a 30-year fixed loan. If Georgia Dream down payment assistance is used, it is a deferred second mortgage that becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property is no longer the borrower's principal residence.
Official options
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Standard Peach Plus assistance
Support type: Deferred second mortgage
Amount or structure: 3.5% of the purchase price up to $10,000 in standard down payment assistance.
Repayment: Repay later on trigger
Who it fits: Law enforcement officers, Correctional officers, Firefighters, Volunteer firefighters, Active-duty military, National Guard members, Teachers, Health care workers
PEN assistance option
Support type: Deferred second mortgage
Amount or structure: 4% of the purchase price up to $12,500 in PEN assistance.
Repayment: Repay later on trigger
Who it fits: Law enforcement officers, Correctional officers, Firefighters, Volunteer firefighters, Active-duty military, National Guard members, Teachers, Health care workers
CHOICE assistance option
Support type: Deferred second mortgage
Amount or structure: 4% of the purchase price up to $12,500 in CHOICE assistance.
Repayment: Repay later on trigger
Who it fits: Law enforcement officers, Correctional officers, Firefighters, Volunteer firefighters, Active-duty military, National Guard members, Teachers, Health care workers
Apply through a Georgia Dream participating lender to pre-qualify and begin the loan process; after lender credit approval, the file is sent to DCA for compliance review and funding approval.
Lenders reserve funds through the DCA portal for a 75-calendar-day window covering DCA compliance underwriting, closing, and funding; complete underwriting packages are noticed within 5 business days, review may exceed 10 business days, and 7-, 15-, or 30-day extensions are available.
DCA's Peach Plus page says FHA- and VA-qualified borrowers who do not meet the traditional Georgia Dream rules may apply for Peach Plus. The official FAQ says first-time homebuyer status is not required. DCA lists Peach Plus down payment assistance options of 3.5% up to $10,000 for Standard or 4% up to $12,500 for PEN/CHOICE, whichever is less.
2026-04-13
2025-04-17
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Amount: Standard down payment assistance is 3.5% of the purchase price up to $10,000; PEN and CHOICE assistance is 4% of the purchase price up to $12,500, whichever is less.
Repayment: The Peach Plus first mortgage is a 30-year fixed loan. If Georgia Dream down payment assistance is used, it is a deferred second mortgage that becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property is no longer the borrower's principal residence.
First-time buyer: Not required
Timing: Lenders reserve funds through the DCA portal for a 75-calendar-day window covering DCA compliance underwriting, closing, and funding; complete underwriting packages are noticed within 5 business days, review may exceed 10 business days, and 7-, 15-, or 30-day extensions are available.
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