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From bustling cities like Atlanta to the picturesque communities of Savannah, Athens and Canton, Georgia is a charming state to call home. Are you a first-time homebuyer shopping for a new house in the Peach State? Between statewide and locally-run programs, shoppers can take advantage of homeownership assistance programs that can help with everything from down payment and closing cost assistance, to tax credits and other perks. The definition for a first-time homeowner in Georgia is as straightforward as it gets: Any family or individual who has never owned a home.

The Georgia Department of Community Affairs offers a series of statewide assistance programs that are worth exploring for first-time homeowners. The programs differ but there are overarching requirements, specifically being from a low- to moderate income household and purchasing a home within price limits. Additionally, the property must be your principal residence. These programs are available across all Georgia counties. In a nutshell, it provides first-time homebuyers with affordable mortgage rates and down payment assistance options.

You are not required to pay it back until you sell or refinance your home. Keep in mind, the average Georgia Dream process takes about 60 days from application to closing. Read more about the Georgia Dream Homeownership Program. This program is offered to public protectors, including military servicemen, policemen and firefighters; educators, like teachers and childcare providers; and health care personnel from nurses to doctors. Just like the others, the repayment is deferred until you sell your home or refinance.

To be eligible, you must secure your first mortgage with a Georgia Dream Homeownership loan and provide proof that you or a family member are living with a disability. While statewide programs can give you a leg up as you get onto the property ladder, there are plenty of local homebuyer assistance programs across Georgia that are worth researching.

Read more for our full rundown of local programs. Maria manages and delivers the Clarkston accelerator program. Fun fact: she was named one of the 50 Most Influential Latinos in Georgia in Kareem Hall. Kareem manages and delivers the East Lake and Southside accelerator program.

Fun fact: he is a world class baby toy assembler. Sushma Barakoti. Clarkston Coordinator. Fun fact: she is also a Start:ME alum and actively working her business, Sunavworld.

Mercedes Uzuegbunam. East Lake Coordinator. Fun fact: she loves to travel - Mercedes has backpacked to 12 countries, 20 states, and Puerto Rico. Including biking from Amsterdam, Netherlands to Ghent, Belgium.

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Participants cannot own interest in any other property. The property must be owner-occupied. The property cannot be manufactured.

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