Down-payment assistancePotentially available — confirm funding and eligibilityFunding unverified
Georgia Dream Peach Plus
Georgia Department of Community Affairs (DCA)
A DCA FHA or VA first mortgage with down payment assistance and higher income and price limits than Georgia Dream; the first-time buyer requirement is waived.
Assistance
Advertises lesser of 3.5% or $10,000; lesser of 4% or $12,500
- Standard (lesser of 3.5% or $10,000)
- PEN (lesser of 4% or $12,500)
Repayment terms were not verified; confirm with DCA or a participating lender.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: Not published
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- First-time homebuyer status not requiredFirst-time homebuyer requirement is waived.
See exact policy language
“First-time homebuyer requirement is waived for this program.”
Georgia Dream mortgage products for homebuyers — Georgia Department of Community Affairs · Peach PlusOpen 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. - Permitted first mortgages: FHA, VA30-year fixed rate FHA or VA first mortgage.
See exact policy language
“Loans are 30-year fixed low interest rate mortgages. Participating lenders give credit approval for FHA and VA mortgage loans.”
Peach Plus Loan Program — Georgia Department of Community Affairs · Eligible Applicants for Peach Plus LoansOpen 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. - Liquid assets after closing limited to $20,000 or 20% of priceDCA: "no more than $20,000 or 20% of the sales price (whichever is greater)."
See exact policy language
“Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater)”
Peach Plus Loan Program — Georgia Department of Community Affairs · Eligible Applicants for Peach Plus LoansOpen 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. - Location: GA
- Income limits: on file for 30 areas · official limits
- Purchase-price limits: $575,000–$725,000 depending on area/construction
- Property types: Unknown — verify with the applicable lender or program administrator.
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 — Standard (lesser of 3.5% or $10,000)
See exact policy language
“3.5% (three and a half percent) of the purchase price or maximum of $10,000, whichever is the lesser amount.”
Peach Plus Loan Program — Georgia Department of Community Affairs · Down Payment Loan OptionsOpen 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. - Assistance — PEN (lesser of 4% or $12,500)
See exact policy language
“4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount.”
Peach Plus Loan Program — Georgia Department of Community Affairs · Down Payment Loan Options — PENOpen 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. - First-time homebuyer
See exact policy language
“First-time homebuyer requirement is waived for this program.”
Georgia Dream mortgage products for homebuyers — Georgia Department of Community Affairs · Peach PlusOpen 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. - Eligible first mortgages
See exact policy language
“Loans are 30-year fixed low interest rate mortgages. Participating lenders give credit approval for FHA and VA mortgage loans.”
Peach Plus Loan Program — Georgia Department of Community Affairs · Eligible Applicants for Peach Plus LoansOpen 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. - Liquid-asset limit
See exact policy language
“Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater)”
Peach Plus Loan Program — Georgia Department of Community Affairs · Eligible Applicants for Peach Plus LoansOpen 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. - Eligible location
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“All other Georgia counties Home Sales Price: $575,000 Household Income: 1-2 persons: $152,550 3+ persons: $175,433”
Peach Plus Loan Program — Georgia Department of Community Affairs · All Other Georgia CountiesOpen 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. - Income limits
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“Home Sales Price: $725,000 Household Income: 1-2 persons: $206,333 3+ persons: $237,282”
Peach Plus Loan Program — Georgia Department of Community Affairs · Atlanta area countiesOpen 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. - Income limits
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“Clarke, Madison, Oconee, Oglethorpe, Morgan Home Sales Price: $650,000 Household Income: 1-2 persons: $177,228 3+ persons: $203,813”
Peach Plus Loan Program — Georgia Department of Community Affairs · Athens, GA MSAOpen 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. - Income limits
See exact policy language
“All other Georgia counties Home Sales Price: $575,000 Household Income: 1-2 persons: $152,550 3+ persons: $175,433”
Peach Plus Loan Program — Georgia Department of Community Affairs · All Other Georgia CountiesOpen 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. - Purchase price limits
See exact policy language
“Home Sales Price: $725,000 Household Income: 1-2 persons: $206,333 3+ persons: $237,282”
Peach Plus Loan Program — Georgia Department of Community Affairs · Atlanta area countiesOpen 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. - Purchase price limits
See exact policy language
“Clarke, Madison, Oconee, Oglethorpe, Morgan Home Sales Price: $650,000 Household Income: 1-2 persons: $177,228 3+ persons: $203,813”
Peach Plus Loan Program — Georgia Department of Community Affairs · Athens, GA MSAOpen 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. - Purchase price limits
See exact policy language
“All other Georgia counties Home Sales Price: $575,000 Household Income: 1-2 persons: $152,550 3+ persons: $175,433”
Peach Plus Loan Program — Georgia Department of Community Affairs · All Other Georgia CountiesOpen 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. - Participating lender
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“Contact a Georgia Dream Participating Lender to pre-qualify and begin the loan process.”
Peach Plus Loan Program — Georgia Department of Community Affairs · How Do I Get Started?Open 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 — 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
See exact policy language
“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
- Borrowers must meet FHA or VA credit requirements; participating lenders give the credit approval.
- Peach Plus Choice (a family member living with a disability) advertises the lesser of 4% or $12,500; HomeStack does not yet collect disability status — ask a participating lender.
- Property and repayment rules for the assistance were not verified and are shown as unknown.
Official contacts
Peach Plus (DCA): Website
DCA (primary line): (404) 679-4840
Georgia Dream hotline: 1-800-359-HOME (4663)
Participating lenders: official list. Housing counselors: HUD counselor search.
Official source
Peach Plus Loan Program · Georgia Department of Community Affairs · Last verified: September 27, 2026
Quote found word-for-word · checked September 29, 2026
Georgia Dream mortgage products for homebuyers · 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.