Down Payment Assistance in Georgia 2026

Programs Available in Georgia

These are the options that actually work here. No fine print.

Program

FHA 100% Combo

100% financing: 96.5% FHA + a second lien for the 3.5%. No income limits.

See details → Check eligibility

Program

V1-FAST 100

0% second lien, deferred and forgivable. Zero monthly payment on the second.

See details → Check eligibility

Program

1% Down Grant

You put 1%, the program gifts 2% up to $7,000. Conventional.

See details → Check eligibility

Program

Community 1% Down

1% down + 2% gift up to $6,000 in eligible areas.

See details → Check eligibility

Program

VA Loans

100% financing, $0 down, no monthly PMI for veterans, active-duty and eligible spouses.

See details → Check eligibility

Cities in Georgia

Find down payment help in your city.

Atlanta Augusta Columbus Macon Savannah Athens

Frequently Asked Questions

What Georgia families ask us most.

What is Georgia Dream?

Georgia's official down payment assistance program, run by the Department of Community Affairs. We will tell you honestly whether it or one of our 100% combos fits you better.

Can I buy in Georgia with $0 down?

Yes — VA loans for those who served, and our FHA 100% Combo, which covers the full down payment with a second lien.

Is there down payment help in Atlanta?

Yes. Our programs work statewide, including Atlanta, Augusta, Columbus, and Savannah.

Do I Qualify for Down Payment Help?

Tell us where you want to buy and we will tell you which programs fit — free, no obligation.

Call us: (949) 253-3480