Georgia Buyer Snapshot: Credit Score Requirements & What It Means for You
If you’re aiming to buy your first home in Georgia in 2026, your credit score plays a huge role in which homes and loan programs you can access. Most buyers want to know: what’s the minimum credit score, and what does that actually get you in today’s market?
- Georgia Dream Program: Minimum 640 middle score
- FHA Loans: 580+ for 3.5% down, 500-579 possible with 10% down
- Conventional Loans: 620+ (higher score = better rates)
- VA/USDA Loans: 620-640 typically preferred
Most first-time buyers we help start with a 640 or higher credit score to unlock the best programs and rates. If you’re close to that number, you’ve got solid options. Lower scores may still work, but expect higher down payments or less favorable terms.
At The Brewer Group, we have dozens of MLS properties available for first-time buyers with these scores, from starter homes in Senoia to family-friendly listings in Peachtree City. Ready to see what you qualify for? Start your Georgia property search here.
Current Georgia Listings: What’s Available for First-Time Buyers Right Now?
With the right credit score, you’ll want to know what kind of homes you can actually buy. Our exclusive MLS feed — only accessible through The Brewer Group — features properties across top Georgia communities that fit first-time buyer budgets and program guidelines.
- Modern 3-bed, 2-bath homes in Newnan from the low $300,000s
- Charming starter homes in Peachtree City from $350,000–$400,000
- Spacious townhomes in Fayetteville and Tyrone under $325,000
- New construction options in Senoia and Brooks
| Community | Entry Price (2026) | Popular Property Types |
|---|---|---|
| Peachtree City | $350,000 | Single-family, Townhomes |
| Newnan | $310,000 | Single-family, Ranch |
| Fayetteville | $325,000 | Townhomes, Condos |
| Senoia | $340,000 | New Construction |
| Sharpsburg | $295,000 | Starter Homes |
Our team knows these neighborhoods inside and out — from the best schools to walkable parks — and can match you with properties eligible for first-time buyer programs. Browse our current active listings here.
Financing Your First Home: What to Expect in 2026
Even with a qualifying credit score, knowing how much you’ll pay — and what help is available — matters. Here’s what first-time buyers in Georgia are seeing now:
- Mortgage Rates: 30-year fixed averages 6.06% (Jan 2026)
- Typical Down Payment: 3.5%–5% for FHA and most first-time programs
- Monthly Payment: Median mortgage payment is $2,413
- Down Payment Assistance: Up to $12,500 via Georgia Dream and local grants
Many programs, like Georgia Dream, require homebuyer education and set income limits (e.g., $108,000 max for 1-2 person households in several counties). The Brewer Group guides you through every step — connecting you with trusted local lenders and ensuring you take advantage of every available program.
Tip: Pre-approval before touring homes is critical. Think about it: it gives you a budget, locks in your rate, and shows sellers you’re serious. Need a lender referral? We have relationships with Georgia’s top mortgage professionals.
How to Strengthen Your Offer & Avoid First-Time Buyer Pitfalls
In this market, the right strategy makes a big difference (no, really). Here’s how our first-time buyers are winning deals — and what to watch for:
- Get pre-approved (not just prequalified) before home shopping
- Work with an agent who knows Peachtree City, Senoia, Brooks, and surrounding communities intimately
- Don’t skip home inspections — protect your investment
- Factor in closing costs (2–5% of sale price) and ongoing expenses
- Consider negotiating for seller-paid closing costs or rate buydowns — more common in 2026
Homes in our area are sitting on the market a bit longer than last year, so buyers have some negotiating power. Our recent client, Sara J., shared: “The Brewer Group helped us secure our dream home in Newnan under list price and with $5,000 toward closing costs. Their expertise made all the difference.”
Avoid rushing — set your priorities. Stick to your budget
Why Work With The Brewer Group: Local, Trusted, Results-Driven
You don’t have to figure this out alone. The Brewer Group is a top-rated Keller Williams team with over 10 years serving first-time buyers in Georgia. Here’s what sets us apart:
- Exclusive access to MLS listings not found on public sites
- Personalized home searches — matched to your credit, budget, and goals
- Expert negotiation to help you save money and secure better terms
- Guidance through every stage, from pre-approval to closing
- Deep knowledge of Peachtree City, Senoia, Newnan, Brooks, Sharpsburg, Fayetteville, and Tyrone
We’re proud recipients of the Keller Williams Platinum Award (2024, 2025) and have dozens of five-star reviews from first-time buyers just like you.
Ready to see what’s possible? Explore Georgia Listings or talk to a local expert at | .