Deferred second mortgagePotentially available — confirm funding and eligibilityFunding unverified
Georgia Dream Peach Advantage
Georgia Department of Community Affairs (DCA)
A DCA conventional first mortgage for first-time or repeat buyers with an optional 0% second mortgage of 2%–5% of the first-lien amount.
Assistance
Advertises up to 5% of the loan amount
- Up to 5% of the first-lien amount (options: 0% or 2%–5%)
0% interest concurrent, non-forgivable second mortgage; paid in full upon sale, refinance, or when the property is no longer the primary residence.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: July 8, 2026
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- Minimum credit score 640640 minimum for each borrower; 660 minimum on manufactured housing.
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“640 minimum for each borrower; 660 minimum on manufactured housing.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Credit Score/Credit · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - First-time homebuyer status not requiredFirst-time or recurring homebuyers.
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“first-time or recurring homebuyers at 0% or 2% to 5% of 1st lien amount”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Overview · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Permitted first mortgages: Conventional
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“Loan Type Conventional”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Loan Type · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum LTV 97%One unit: 97% LTV / 105% CLTV (95%/95% for Freddie Mac manufactured homes).
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“One Unit 97%/105%”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Maximum LTV/CLTV · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum CLTV 105%
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“CLTV may not exceed 105%.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Other Down Payment Assistance Sources · page 5Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum DTI 45% for credit scores 640–699Housing ratio also limited to 45% in this band.
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“640-699 ≤ 45% ≤ 45%”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Maximum Ratios · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Homebuyer education: Homebuyer education is required (Framework or HomeView for Fannie Mae; CreditSmart for Freddie Mac).
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“Homebuyer education is required.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Homebuyer Education · page 6Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Must be your primary residence
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“Occupancy • Primary residence only.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Occupancy · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Location: GA
- Income limits: on file for Statewide (150% of area median income) · official limits
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- Property types: One-unit properties; 2–4 unit properties are ineligible.
Every rule, in the program’s own words
Each rule HomeStack applies to this program, with the exact passage from the official document and a link that opens the document at that passage. HomeStack re-checks every quote against the live document.
- Assistance — Up to 5% of the first-lien amount (options: 0% or 2%–5%)
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“2% to 5% DPA of base first lien amount.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Down Payment Assistance (DPA) · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Repayment terms
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“DPA must be paid in full upon sale, refinance, or if property is no longer the borrower's primary residence for the duration of the mortgage.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Down Payment Assistance (DPA) · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Minimum credit score
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“640 minimum for each borrower; 660 minimum on manufactured housing.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Credit Score/Credit · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - First-time homebuyer
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“first-time or recurring homebuyers at 0% or 2% to 5% of 1st lien amount”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Overview · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Eligible first mortgages
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“Loan Type Conventional”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Loan Type · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum LTV
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“One Unit 97%/105%”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Maximum LTV/CLTV · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum CLTV
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“CLTV may not exceed 105%.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Other Down Payment Assistance Sources · page 5Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Maximum debt-to-income ratio
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“640-699 ≤ 45% ≤ 45%”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Maximum Ratios · page 3Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Homebuyer education
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“Homebuyer education is required.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Homebuyer Education · page 6Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Owner occupancy
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“Occupancy • Primary residence only.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Occupancy · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Eligible locationCited to the whole document (no passage recorded): Georgia Dream Peach Advantage Matrix (v. 2026-7-8) · Georgia Department of Community Affairs · Last verified: September 27, 2026
- Income limits
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“Income limitations up to 150% of the Area Median Income per Fannie Mae or Freddie Mac AMI Lookup Tools.”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Overview · page 1Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Property rules
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“Ineligible Properties: … 2-4 Unit Properties”
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) — Georgia Department of Community Affairs · Property · page 7Open official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026 - Contact — DCA (primary line)
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“Primary: (404) 679-4840”
Georgia Dream mortgage products for homebuyers — Georgia Department of Community Affairs · How can we help? Call UsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Contact — Georgia Dream hotline
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“call DCA at 1-800-359-HOME (4663)”
Apply for the Georgia Dream Homeownership Program — State of Georgia · Get QualifiedOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text.
Important notes
- Income limit is up to 150% of area median income; AMI figures are not yet loaded, so income eligibility requires verification.
- Minimum required investment: none (per matrix).
- DPA must be used for down payment and closing costs for services rendered to obtain the mortgage(s), and excludes realtor fees.
- Other down payment assistance in the form of a lien must take a subordinate third lien position to DCA's liens; CLTV may not exceed 105%.
Official contacts
Georgia Dream (DCA): Website
DCA (primary line): (404) 679-4840
Georgia Dream hotline: 1-800-359-HOME (4663)
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Georgia Dream Peach Advantage Matrix (v. 2026-7-8) · Georgia Department of Community Affairs · Last verified: September 27, 2026
Quote found word-for-word · checked September 29, 2026
HomeStack provides research and estimates based on available program criteria. It does not provide mortgage approval, underwriting, financial advice, or a guarantee of eligibility, funding, or loan terms. Final eligibility must be confirmed by the applicable lender or program administrator.