Georgia Dream PEN
Georgia Dream PEN is a deferred 2nd 0% 30-yr from Georgia DCA. Available statewide in Georgia. Up to $30,000 toward a home purchase. First-time buyer status is not required. Income limit: 100% AMI.
Up to $30,000
Listed as open as of May 2026
Available statewide in Georgia.
| First-time buyer | Not required |
|---|---|
| Income limit | 100% AMI |
| Minimum credit score | 640 |
| Maximum DTI | 52% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Healthcare, education, military, government |
| Property types | SFR, condo, townhome |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/Conv |
| Sales price cap | $400K |
| Repayment | 0% deferred |
| Stacking | Preferred Employer Network |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Georgia DCA · program details at the provider’s site.
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