Georgia Home Prices & Down Payment Realities: 2026 Snapshot
Looking for a home in Georgia? The biggest question for most buyers is, “How much do I need for a down payment?” Let’s cut to the numbers. As of January 2026, Georgia’s median home price is $373,700. That means:
- Typical down payment (5.9%): About $21,880
- Conventional loan (20%): $74,740
- FHA loan (3.5%): $13,080
Most Georgia buyers put down less than 20%. With programs like FHA, VA, USDA, and statewide assistance, you could get started with far less than you think.
| Loan Type | Min. Down Payment | Example on $373,700 |
|---|---|---|
| Conventional | 5%–20% | $18,685–$74,740 |
| FHA | 3.5% | $13,080 |
| VA | 0% | $0 |
| USDA | 0% | $0 |
Ready to see what’s available now? Browse our current Georgia listings.
Down Payment Assistance: How Georgia Buyers Can Buy Sooner
Don’t let the down payment stall your Georgia home search — there are real, accessible ways to lower the upfront cost. The Georgia Dream Homeownership Program is a standout, offering:
- Standard buyers: Up to 5% of the purchase price (max $10,000)
- Protectors, educators, nurses: Up to 6% (max $12,500)
- CHOICE program: Also up to 6% (max $12,500)
Atlanta, Gwinnett County, and other Georgia areas add even more help — some programs provide up to $20,000 for first-time buyers.
Who qualifies? Typically, first-time buyers or those who haven’t owned in three years, and sometimes specific professions like educators or healthcare workers. We’ll help you identify which programs fit your profile and maximize your buying power.
- Lower your upfront cost
- Stay competitive in fast-moving markets
- Keep more savings for emergencies and move-in costs
Want help applying? Contact The Brewer Group — we’ve guided hundreds of buyers through these programs over the last decade.
What Types of Properties Can You Afford in Georgia?
Down payment options matter, but so does knowing what’s actually on the market (trust me on this). With The Brewer Group, you’re seeing real Georgia MLS listings you won’t find on public portals. Here’s what’s available right now:
- Single-family homes from $250,000–$700,000+
- New construction in Peachtree City and Senoia
- Townhomes under $400,000 in Fayetteville and Tyrone
- Luxury estates above $1M in Brooks and Sharpsburg
Example active listings from our inventory:
- 4-bed modern craftsman in Newnan ($385,000, FHA/VA eligible)
- Updated ranch in Peachtree City ($450,000, down payment assistance possible)
- New Senoia townhome ($335,000, USDA eligible)
Each listing is available today — contact us for a private tour or to check specific down payment options for each property.
Financing Tips & Buyer Mistakes to Avoid in 2026
Securing the right loan and avoiding common pitfalls can save you thousands. In 2026, Georgia mortgage rates average 6.09% (30-year fixed), with 15-year options around 5.26%. Here’s what smart buyers are doing now:
- Getting pre-approved before house hunting
- Comparing loan types (conventional, FHA, VA, USDA)
- Applying for local and state down payment assistance
- Keeping monthly payments manageable — don’t just focus on the max price
- Budgeting for closing costs (2–5% of purchase price)
Common mistakes we see — and help our clients avoid:
- Draining all savings for the down payment (leave an emergency fund!)
- Overlooking property taxes, HOA dues, and insurance
- Making big purchases before closing (it can impact loan approval)
- Skipping home inspections to "win" in a bidding war
Our role: We walk you through every step, connect you with trusted lenders, and ensure you know your true buying power before you make an offer.
How The Brewer Group Makes Your Georgia Home Purchase Easier
At The Brewer Group, we’re not just agents — we’re your local Georgia advocates. With over 10 years of experience, we’ve helped hundreds of buyers in Peachtree City, Newnan, Fayetteville, and beyond find the perfect property and secure the best financing.
- Access to exclusive Georgia MLS listings not shown on public sites
- Personalized property matches — only see homes that fit your needs and eligibility
- Guidance through down payment assistance, loan pre-approval, and negotiations
- Strong reputation — 2025 Keller Williams Circle of Excellence Award
Our buyers say it best:
"The Brewer Group found us a home in Senoia that fit our budget with only 3% down — couldn’t have done it without their guidance!" – The Garcias, closed March 2026
Ready to move forward? Explore Georgia Listings or call us at to talk to a local expert today.