Programs To Help Buy A Home -

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

: 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) : programs to help buy a home

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

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

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

: Must meet specific income limits, which have generally increased for 2026. 2. State & Local Assistance (Georgia Examples) : Must meet specific income limits, which have

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