Dream Key Grant Program
The Dream Key Grant Program was created to make homeownership more accessible by reducing upfront costs for qualified Georgia buyers. With multiple grant options available, eligible borrowers may receive up to $20,000 in forgivable funds to use toward their down payment and/or closing costs.
Whether you are a first-time homebuyer, a repeat buyer, or a valued community professional such as a first responder, educator, healthcare worker, veteran, or law enforcement employee, there may be a Dream Key grant designed specifically for you.
These funds are fully forgivable when program guidelines are met, including occupancy requirements and completion of homeownership counseling. Grants can be paired with Conventional, FHA, or VA financing, giving buyers flexible options to structure their purchase.
Funds are limited and available in select Georgia counties. Explore the grant options below to see which Dream Key opportunity may fit your path to homeownership.
Eligible Georgia Counties: Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, and Walton.
Community Partners
Provides up to $20,000 in forgivable down payment and/or closing cost assistance for eligible community professionals, including current or retired employees of law enforcement, education, healthcare, fire departments and other first responders, as well as veterans, active-duty U.S. military members, and surviving spouses. Eligibility is based on an 80% Area Median Income (AMI) household income cap.
First Time Home Buyer
Provides up to $17,500 in forgivable down payment and/or closing cost assistance for eligible first-time homebuyers, including individuals who have not owned a home within the past three years. Eligibility is based on an 80% Area Median Income (AMI) household income cap.
Eligible Borrowers
Provides up to $15,000 in forgivable down payment and/or closing cost assistance for qualifying homebuyers with household incomes up to 120% of the Area Median Income (AMI).
Dream Key Grant funds are subject to availability and may be modified or discontinued without notice. Eligibility is determined by program guidelines, including but not limited to household income limits, Area Median Income (AMI) caps, occupancy requirements, credit approval, property eligibility, and completion of required homeownership counseling. A minimum borrower contribution of $1,000 is required. Grant funds are forgivable only if all program terms and conditions are satisfied. Not all applicants will qualify. This is not a commitment to lend. All loans are subject to underwriting approval. Additional restrictions may apply.
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