The Georgia Dream CHOICE option provides enhanced down payment assistance to households where the borrower, co-borrower, or any household member has a documented disability. CHOICE pairs a Georgia Dream first mortgage (FHA/VA/USDA/Conventional) with a 0% interest, deferred-payment second mortgage equal to 6% of the purchase price up to $12,500. The second mortgage is forgiven of nothing - it remains due in full at sale, refinance, payoff, or when the property is no longer the borrower's primary residence. Bond-funded; IRS federal recapture tax may apply.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Georgia Dream Homeownership Program (CHOICE): what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from June 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.