Peach Plus Loan Program

Effective April 15, 2024, FHA-qualified borrowers who do not meet the eligibility requirements for the traditional Georgia Dream program are able to apply for the Georgia Dream Peach Plus Loan Program.

The Georgia Dream Peach Plus Loan Program expands access to affordable homeownership opportunities across our state. By serving a wider range of borrowers, including those with non-conforming loans, this program helps make the dream of homeownership a reality for more Georgia families.

• Standard - All eligible homebuyers may qualify! 3.5% (three and a half percent) of the purchase price or  maximum of $10,000, whichever is the lesser amount. 
• Protectors, Educators & Nurses (PEN) - Are you a public protector, educator, healthcare provider — or work for these industries — or active military? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount.
• Choice - Is a member of your family living with a disability? 4% (four percent) of the purchase price or a maximum of $12,500, whichever is the lesser amount.

Georgia Dream Peach Plus loans* are available to homebuyers who:

• Have a household income up to the maximum
• Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater)
• Meet FHA mortgage loan credit requirements

*Loans are 30-year fixed low interest rate mortgages. Participating lenders give credit approval for FHA mortgage loans.