Help Buy A Home — Programs To

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

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

: No monthly mortgage insurance (PMI) and competitive interest rates. USDA Loans (Department of Agriculture) :

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

: FHA loan limits in 2026 increased in most counties, providing up to $40,000 more in purchasing power. VA Loans (Department of Veterans Affairs) :

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

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