Georgia Dream Homeownership Program

Georgia Dream Homeownership Program是面向Georgia购房者的延期第二贷款。 The Georgia Dream Homeownership Program (administered by GA DCA) provides 0% interest deferred second mortgage loans of up to $10,000 in down payment and closing cost assistance to eligible first-time homebuyers statewide. Repayment is deferred until sale, refinance, or departure from the home. Income limits (effective 7/1/2025): $130,290 (1-2 persons), $149,833 (3+ persons). Max sales price: $425,000 (standard) or MSA/county maximums. Minimum credit score: 640. Homebuyer education from a HUD-approved agency required. Down payment and closing cost assistance as a 0% interest deferred second mortgage with no monthly payments. Up to $10,000 (or 5% of purchase price, whichever is less). 30-year fixed rate first mortgage. No prepayment penalty. No discount points or uncommon fees allowed. Rate locked for 75 days. DPA loan due only upon sale, refinance, or when borrower no longer occupies as primary residence. Homebuyer education from a HUD-approved agency required. Works with FHA, VA, USDA, and Conventional first mortgages. Available statewide in Georgia. 资金来自State。

Georgia Dream Homeownership Program提供最高$10,000的援助。 援助档次“Standard”——最高$10,000。 适用对象：All eligible borrowers who meet program requirements。 援助档次“PEN”——最高$12,500。 适用对象：Public protectors, educators, healthcare workers, and active military/veterans。 援助档次“Choice”——最高$12,500。 适用对象：Households with a family member who has a disability。 该项目要求购房者自付$1,000。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Georgia Dream Homeownership Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Transfer of Title、Sale、Refinance和No Longer Primary。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Georgia Dream Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：No ownership in the past 3 years (exceptions for displaced homemakers/single parents)。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由HUD-approved Housing Counseling Agencies (list available on DCA website and HUD website). Online option: eHomeAmerica at http://www.ehomeamerica.org/dca ($50-$100 fee)提供。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Must complete HUD-approved homebuyer education course; Liquid assets limited to $20,000 or 20% of sales price (whichever is greater) at closing; First-time homebuyer or have not owned a home in past 3 years, or purchasing in a targeted area; Must not own other real estate at closing.

Georgia Dream Homeownership Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Effective 7/1/2025: 1-2 persons $130,290; 3+ persons $149,833 (statewide, per GA DCA). 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Georgia Dream Homeownership Program将房价上限设为$425,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse、2-4 Unit和New Construction。 新建房屋符合条件。

Georgia Dream Homeownership Program服务于在Georgia任何地方购房的购房者。 该项目针对特定区域：Census tracts designated as targeted areas allow non-first-time homebuyers to qualify and may have higher income/purchase price limits。

Georgia Dream Homeownership Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-Come-First-Served预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。