No Interest No monthly payments Funds can be used for down payment, closing costs, prepaids and principal reduction Georgia Dream loans* are available to: First-Time Home Buyers, OR Homebuyers who have not owned a home** in the past three years, OR Those who purchase a home in certain areas Who Also: Have a household income up to the maximum Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater) Meet mortgage loan credit requirements *Loans are 30-year fixed interest rate mortgages. Participating lenders give credit approval for FHA, USDA-RD, VA or conventional eligible mortgage loans. **Homebuyers who have not had interest or ownership in a primary residence in the last three years. Maximum Household Income & Home Sales Price: Effective March 15, 2021 If you purchase in one of these Georgia counties, the purchase price cannot exceed $325,000: Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding or Walton Household income cannot exceed: 1 or 2 persons: $84,000 3 or more persons: $96,000 For any county not listed above, the purchase price cannot exceed $275,000. Household income cannot exceed: 1 or 2 persons: $72,000 3 or more persons: $83,000 How Do I Get Started? Contact a Georgia Dream Participating Lender to pre-qualify and begin the mortgage loan process. Click the icon below to find a list of participating lenders or call 1-800-359-HOME (4663).