Georgia Homebuyer Qualifications: 2026 Requirements at a Glance
Ready to purchase your first property in Georgia? Understanding the first-time homebuyer qualifications can help you act fast and avoid frustration. The most popular local program is the Georgia Dream Homeownership Program — it opens the door to affordable mortgage rates and down payment help.
- First-time buyer: Not owned a home in 3 years, or purchasing in a targeted area.
- Income: Household must earn under $130,290 (1-2 people) or $149,833 (3+ people).
- Credit score: At least 640 (middle score).
- Assets: Liquid assets below $20,000 or 20% of home price.
- Homebuyer education: Mandatory HUD-approved course.
Georgia Dream and Peach Plus programs also offer down payment assistance — up to $10,000 or $12,500 for public protectors, educators, health workers, and military. If you’re buying in Peachtree City. Senoia
What’s on the Market for First-Time Buyers? Local Price & Program Limits
The Brewer Group offers access to exclusive homes across Fayette, Coweta, and surrounding counties — properties you won’t find on generic search sites. First-time buyer programs come with price caps, so knowing what fits matters.
| Community | Typical Price Range | Buyer Program Price Cap | Available Properties |
|---|---|---|---|
| Peachtree City | $340,000–$510,000 | $400,000 (standard cap) | View Listings |
| Senoia | $310,000–$450,000 | $400,000 | View Listings |
| Newnan | $275,000–$370,000 | $400,000 | View Listings |
| Fayetteville | $290,000–$425,000 | $400,000 | View Listings |
Looking for something specific, like a townhome or new build? We currently have over 80 properties that may qualify for the Georgia Dream program. Many homes in Senoia and Newnan fall well under program limits, making them strong choices for first-timers.
- Peachtree City: Top schools, walkable neighborhoods, strong resale value
- Sharpsburg & Brooks: Quiet, family-friendly, with spacious lots
- Tyrone & Fayetteville: Great starter home options under $350,000
To see the full range of homes that fit your needs and program guidelines, start your custom search here.
Financing Realities: Credit, Down Payment, and 2026 Mortgage Rates
Even with strong programs, buying your first Georgia home means getting your finances in shape. As of January 2026, the average 30-year mortgage rate is 6.02% — significantly lower than a year ago, but still requiring a solid credit profile.
- Minimum credit score: 640 (higher scores may lower rates)
- Typical down payment: 3-5% with assistance (as little as $10,000 out of pocket)
- Debt-to-income (DTI) ratio: Under 45% (some exceptions to 50% with strong credit)
Down payment assistance can cover a large portion of your upfront costs, but it’s competitive — especially for homes in high-demand school zones. The Brewer Group’s lender network can help you:
- Get pre-qualified fast (often in 24-48 hours)
- Connect directly to Georgia Dream and Peach Plus participating lenders
- Understand which homes in our inventory will actually work with your financing
Pro tip: Complete your homebuyer education early to avoid delays. We’ll guide you to the best lenders and help you compete in a crowded market.
Let's be honest:Step-by-Step: Qualifying and Finding Your First Georgia Home
Here’s how The Brewer Group makes the process simple for first-time buyers. We combine local knowledge with proven systems, so you get into the right home, the right way.
- Check eligibility: Contact us to review your income, assets, and credit.
- Get pre-qualified: We’ll connect you to a trusted Georgia Dream lender fast.
- Complete education: Take a short HUD-approved course (online options available).
- Start your search: We’ll send you a curated list of active properties that fit both your needs and the program limits.
- Tour and offer: When you spot a match, we’ll schedule showings and write a strong, competitive offer.
- Inspection and closing: We help you navigate inspections, negotiations, and closing details, step by step.
Most buyers spend 2-6 months searching, then 30-60 days to close after going under contract. Our average client finds a home and closes in under 90 days after prequalification — saving you time and stress.
- We handle paperwork and coordinate with your lender
- We negotiate repairs and credits on your behalf
- We keep you updated at every stage — no surprises
Want to get started? Talk to a local expert now or browse our latest listings in Fayetteville, Newnan, and more.
What Sets The Brewer Group Apart for Georgia First-Time Buyers?
Buying your first home is a huge milestone. You deserve an agent who’s committed to your long-term success — not just closing a deal. Here’s why more Georgia buyers trust The Brewer Group:
- Access to exclusive MLS listings not on public sites
- 10+ years of hyperlocal experience in Peachtree City, Senoia, Brooks, and beyond
- Personalized home matching — the right school zones, commutes, and amenities
- Proven process for first-timers: education, guidance, and advocacy
- Keller Williams’ national network for smooth relocations
Our team has received Keller Williams Platinum Awards for service and sales volume, and clients consistently praise our responsiveness and local expertise:
“We never felt lost in the process. Jake and the team found us a perfect home in Fayetteville and made everything so smooth!” – The Robinson Family
“Every question was answered, every detail explained — even after closing. Highly recommend to any first-time buyer.” – Marcus A., Senoia
You deserve a true partner. Call or to get your questions answered, or use our property search to see what’s available now.
Ready to Buy? See Georgia Homes That Qualify Today
You don’t have to figure this out alone. The Brewer Group is ready to show you homes in Peachtree City, Senoia, Brooks, Sharpsburg, Newnan, Fayetteville, and Tyrone that fit the Georgia Dream and Peach Plus guidelines.
- See real-time inventory — homes updated daily from our MLS feed
- Tour top picks in your price range
- Get expert guidance on offers, negotiations, and next steps
Explore Georgia Listings or call us for a local, first-time homebuyer strategy session. Your dream home is closer than you think — let’s make it happen together.