Georgia Homebuyer Grants in 2026: What’s Actually Available?
Looking to buy your first home in Georgia? You’re in luck — 2026 brings real financial help for first-time buyers across the state. The Georgia Dream Homeownership Program remains the leading down payment assistance option, offering up to $10,000 for most buyers and up to $12,500 for public protectors, educators, healthcare workers, and families with disabilities. You must not have owned a home in the past three years and need to meet income and credit guidelines.
Atlanta, Savannah, and many counties also offer local down payment grants. Like this: Atlanta’s Down Payment Assistance Program gives up to $20,000 (or $25,000 for certain professions) for purchases inside city limits. Savannah’s Dream Maker program provides $5,000–$7,500 toward your purchase, while Clayton County offers up to $10,000 for eligible buyers.
- Most programs require a homebuyer education course
- Income and purchase price caps apply (varies by city/county)
- Funds are often limited — acting fast is key
If you’re ready to see homes that actually qualify for these grants, start your search here. The Brewer Group has helped dozens of Georgia buyers unlock these programs over the past decade.
Current Georgia Home Prices & What Buyers Can Expect
Home values across Georgia have shifted in 2026, with prices stabilizing but still higher than pre-pandemic years. According to the latest data, the statewide median is hovering around $360,000. Local prices vary widely — here’s a snapshot from our active MLS feed:
| Area | Median List Price | Properties from Our Inventory |
|---|---|---|
| Peachtree City | $485,000 | See Listings |
| Newnan | $389,000 | See Listings |
| Fayetteville | $435,000 | See Listings |
| Sharpsburg | $410,000 | See Listings |
Even with grants, finding move-in ready homes under $400K can be tough in some zones. But with over 120 properties available in our MLS feed, we’ll help you find realistic options for your budget.
- Mortgage rates have dropped to 6.06% (30-year fixed, January 2026)
- Average down payment for first-timers: 6–9%
- Closing costs: typically 2–5% extra
Want to see what’s available in your price range? Browse Georgia homes now.
Where Can You Actually Buy With First-Time Buyer Grants?
The right neighborhood can make or break your first home experience. Our team specializes in Peachtree City, Senoia, Brooks, Sharpsburg, Newnan, Fayetteville, and Tyrone — areas known for excellent schools, walkable communities, and long-term value. Many of our buyers use grants to get into these highly rated districts.
Here’s what you can expect in these communities:
- Peachtree City: Golf cart paths, award-winning McIntosh High, active neighborhoods
- Senoia: Historic charm, film locations, new construction under $400K
- Brooks & Tyrone: Larger lots, quiet, close to Fayette schools
- Fayetteville: Quick Atlanta access, lively downtown, mix of old & new homes
- Newnan: Major employers, vibrant Main Street, affordable starter homes
Ready to see actual homes available now? Check our local inventory:
If you want personalized matches for grants and schools. — we’ve guided hundreds of first-time buyers in these exact neighborhoods.
How Georgia Grants Work: Steps, Timelines & Common Mistakes
Getting grant money isn’t automatic — there’s a process. Here’s how buyers succeed with Georgia’s first-time programs, based on our years of experience:
- Get Pre-Approved: Lenders must verify you meet grant guidelines.
- Homebuyer Education: Complete a required course (usually 6-8 hours, online or in-person).
- Apply for Assistance: Your lender will help complete the DCA or local paperwork.
- Find a Grant-Eligible Home: Must meet program price caps and location rules. We’ll filter options for you.
- Submit Your Offer: We negotiate with sellers who understand grant timelines.
- Timelines: Extra paperwork means closing can take 45–60 days.
- Asset limits: Don’t move large sums right before applying.
- Common mistake: Not budgeting for closing costs and repairs. Grants help, but some out-of-pocket is required.
Want to see which of our active homes qualify? Browse eligible listings now or call us at for personalized support.
Why Work with The Brewer Group (Keller Williams)?
Georgia’s grant programs are fantastic — but there’s fine print and intense competition. With over 10 years of local expertise, The Brewer Group has guided hundreds of buyers through these programs, winning offers and making sure funds don’t run out before you close.
- Access to exclusive MLS listings not on public portals
- Hyperlocal knowledge of schools, commute times, and grant-eligible zones
- Personalized property matches (not generic drip emails)
- Negotiation strategies that reflect real-time 2026 market trends
Here’s what our buyers say:
“Jake and his team walked us through the Georgia Dream program step by step. We found our home in Senoia, used the down payment grant, and closed on time. Couldn’t recommend them more!” – Ashley W., Peachtree City
Our team is proud to be recognized as a Keller Williams Top Producer 2024–2026 and local market leader in Fayette and Coweta counties.
Explore Georgia Listings or — let’s find your first home and grant together.