Georgia Program · Georgia Dream
Georgia Peach Plus
Higher income limits, government financing. Peach Plus opens Georgia Dream-style help — up to $12,500 — to FHA and VA buyers who exceed the standard program’s limits.
Overview
Government loans, higher limits.
The Peach Plus Loan Program serves borrowers who don’t meet traditional Georgia Dream eligibility — offering down payment assistance on FHA and VA loans with notably higher income limits. It’s the government-loan counterpart to Peach Advantage.
How it works
The essentials
Standard
Up to $10,000
3.5% of the purchase price or a maximum of $10,000 — whichever is less.
PEN
Protectors, Educators & Nurses
4% or up to $12,500 for public protectors, educators and healthcare workers.
Choice
Choice (disability)
4% or up to $12,500 for borrowers connected to a disability.
Who it is for
Do you qualify?
- FHA and VA buyers above standard Georgia Dream limits
- Higher-income Georgia households
- Protectors, educators and nurses (PEN)
- Buyers with limited liquid assets
- Buyers at higher price points
- Buyers who don’t fit traditional Georgia Dream
At a glance
Program highlights
Up to $12,500
For PEN and Choice borrowers.
$10,000 standard
For all eligible buyers.
FHA & VA
Government-loan financing.
Higher income caps
Well above standard Georgia Dream.
Higher price limits
$725k / $650k / $575k by region.
Liquid-asset cap
≤ $20,000 or 20% after closing.
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.
Earn a little more? Peach Plus may fit.
Every situation is different. Let me confirm your eligibility and run the numbers. Call (303) 557-3846 or start online.