Buying a home for the first time in Georgia this year? Read this first. If you are a first-time homebuyer, the Peach State has several programs available to make homes more accessible to you. Even if you’re not technically new, you might still qualify if you have not owned a home in several years. You might also love to know that unlike USDA programs, you can use virtually all of these to buy a home in the heart of the city — if you qualify. 

Georgia Dream is one of the most commonly known programs in the state. According to NerdWallet, this is an education program to prepare homebuyers for the purchase process and eventual homeownership. It helps buyers to get lower mortgage rates than they otherwise might have. Most first-time buyers also get assistance with making down payments. 

If down payment assistance is specifically where you need help, consider the Georgia Standard Down Payment Assistance program. You might end up getting as much as $7,500 in “free money” to add to your down payment. Even better, if you were eligible for assistance through the Georgia Dream program, you are likely eligible for this too. Why not make use of it? 

If you have permanent disabilities, then owning your own home may be a more important dream for you than most. You never have to wait for landlords to make accommodations for you again or try to explain why you need them. Georgia Choice might help to make this possible for you. You might also earn up to $7,500 here toward your down payment. 

Civil servants could certainly also use a break. They work long hours every day and rarely get the appreciation they deserve. If you are a first-responder, health care professional, military person, police officer or educator, you just might qualify for Georgia PEN. This, too, can add up to $7,500 to your down payment. 

Note that eligibility and availability of these programs are not guaranteed. It is a good idea to check back regularly with program directors and facilitators for any available opportunities. Also, if you qualify for more than one program, try all of them if you can. Also, ask about any restrictions on combining benefits from each one.