Georgia program
Georgia Dream Peach Plus Loan Program
Georgia ยท Georgia Department of Community Affairs
Quick answer
What this program appears to offer
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
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.
Not required
Trust layer
Program structure and lender rules
These fields stay free because they describe the official program rules, not a paid decision layer.
Required
Required
Not forgivable or not captured
sale, refinance, transfer, non owner occupancy
Who qualifies
Law enforcement officers, Correctional officers, Firefighters, Volunteer firefighters, Active-duty military, National Guard members, Teachers, Health care workers
What support you get
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.
Do you repay it?
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.
How to apply
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.
Direct official links
Official source evidence
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.
Official documents
Last verified
2026-04-13
2025-04-17