Georgia Program · Georgia Dream
Georgia Peach Advantage
For Georgians who earn a bit more or buy a bit higher. Peach Advantage extends Georgia Dream to conventional buyers who don’t fit the standard program — with 2%–5% in down payment help.
Overview
Georgia Dream, expanded.
The Peach Advantage Loan Program broadens access to Georgia Dream for conventional borrowers who don’t qualify for the traditional program — because their income is higher, their price point is higher, or they’re short on cash for closing. It offers 2% to 5% of the loan in down payment assistance on a 30-year fixed conventional mortgage.
How it works
The essentials
The assistance
2%–5% of the loan
Down payment assistance from 2% up to 5% of your first loan amount, helping buyers with limited assets reach the closing table.
Higher limits
More income, higher prices
Household income up to 150% of Area Median Income, and home-price limits up to $725,000 (Atlanta), $650,000 (Athens) or $575,000 (other counties).
Conventional
Conventional-focused
Built around 30-year fixed conventional loans for buyers who fall outside standard Georgia Dream’s tighter income and price limits.
Who it is for
Do you qualify?
- Conventional buyers above standard Georgia Dream limits
- Households up to 150% of Area Median Income
- Buyers at higher price points
- Buyers with limited assets for closing
- Buyers who don’t fit traditional Georgia Dream
- Georgia buyers statewide
At a glance
Program highlights
2%–5% assistance
Scaled to your needs.
Up to 150% AMI
Higher income ceiling than standard.
Higher price limits
$725k / $650k / $575k by region.
Conventional loans
30-year fixed.
Limited-asset friendly
Built for buyers short on cash.
Broader eligibility
Reaches beyond standard Georgia Dream.
Georgia Dream and the Peach loan programs are administered by the Georgia Department of Community Affairs (DCA) and offered through participating lenders, subject to program guidelines, income limits, purchase-price limits, liquid-asset limits and eligibility, which vary by region and are subject to change. This is not a commitment to lend. Contact David to confirm current terms and your eligibility.
Just outside Georgia Dream? Let’s talk.
Every situation is different. Let me confirm your eligibility and run the numbers. Call (303) 557-3846 or start online.