Georgia program
Georgia Dream PEN
Georgia ยท Georgia Department of Community Affairs
Quick answer
What this program appears to offer
PEN borrowers can receive 6% of the property purchase price, up to $12,500, in down payment assistance.
Deferred second mortgage
Deferred second mortgage
The Georgia Dream second mortgage carries 0% interest with no monthly payment and becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property stops being the borrower's principal residence.
Unknown
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
What support you get
PEN borrowers can receive 6% of the property purchase price, up to $12,500, in down payment assistance.
Do you repay it?
The Georgia Dream second mortgage carries 0% interest with no monthly payment and becomes due when the home is sold or transferred, the first mortgage is refinanced, or the property stops being the borrower's principal residence.
How to apply
Apply through a Georgia Dream participating lender.
Direct official links
Official source evidence
The official Georgia Dream page says the Protectors, Educators & Nurses option offers 6% of the property purchase price or $12,500, whichever is less. The 2024 Georgia Dream Seller Guide revised July 1, 2025 defines eligible PEN public protectors to include police, sheriff's office, correctional, other law-enforcement, firefighter, and volunteer firefighter roles. The official Georgia Dream FAQ says the second mortgage has 0% interest, no monthly payment, and is due when the borrower sells or transfers the home, refinances the first mortgage, or no longer occupies the property as a principal residence.
Official documents
Last verified
2026-04-13
Revised July 1, 2025