Programs To Help Buy A Home May 2026

: 0% for eligible veterans, active-duty members, and surviving spouses.

: 0% for homes in designated rural and suburban areas.

Most states operate housing finance agencies that provide grants or "silent" second mortgages to help with down payments. Apply for the Georgia Dream Homeownership Program programs to help buy a home

: 3.5% if your credit score is 580 or higher; 10% for scores between 500–579.

: Must meet specific income limits, which have generally increased for 2026. 2. State & Local Assistance (Georgia Examples) : 0% for eligible veterans, active-duty members, and

: First-time buyers or those with lower credit scores.

: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) : Apply for the Georgia Dream Homeownership Program : 3

These loans are insured by federal agencies, allowing private lenders to offer lower down payments and flexible credit requirements. :