Augusta Homebuyers Have Access to
5 Stacked Programs — Up to $22,500 at Closing
on a $200,000 Home
Augusta-Richmond County DPA (up to $10,000 forgivable, 5 years), Georgia Dream Standard ($10,000 deferred at 0%), Georgia Dream PEN ($12,500 for military/teachers/healthcare), Peach Plus (repeat buyers, higher income), and Peach Select (veterans below-market rate). Augusta's $200K median price is one of the most affordable entry points in Georgia — but every program needs 640 FICO. That's what we do.
Augusta's Program Stack: Two Layers of DPA + A Veterans Mortgage Rate Advantage
Augusta-Richmond County has a strong two-layer DPA system — a city/county program of up to $10,000 (forgivable after 5 years) that stacks directly on top of Georgia Dream's $10,000–$12,500 deferred second mortgage. For military, teachers, and healthcare workers, the Georgia Dream PEN track unlocks $12,500 instead of $10,000. Veterans get an additional advantage through Georgia Dream Peach Select — a below-market interest rate (~5%) that can reduce monthly payments for the life of the loan. And Georgia has NO mortgage tax credit (MCC) program — so unlike other states in this series, there is no 40% lifetime tax credit available, making the upfront DPA stack even more important here.
🏛️ Augusta-Richmond County DPA: $10,000 Forgivable — 5-Year Forgiveness
The Augusta-Richmond County Homeownership Assistance Program (administered through the Augusta Housing and Community Development Department) provides up to $10,000 in deferred-payment forgivable assistance for down payment and/or closing costs. The full loan is forgiven on the 5th anniversary of purchase as long as the buyer continues to own and occupy the home as their primary residence. First-time buyers, displaced homemakers, and single parents are eligible. Income at or below 80% AMI. A HUD-certified homebuyer education workshop is required. The program is administered through Augusta HCD (Augusta, GA Housing and Community Development) in partnership with local participating lenders and closing attorneys.
🎖️ Georgia Dream PEN: $12,500 for Fort Eisenhower Military, Teachers & AU Health Workers
Georgia's Dream PEN (Protectors, Educators & Nurses) program is the most valuable DPA option for Augusta's dominant employment sectors. Fort Eisenhower (Army Cyber Command HQ) employs thousands of active-duty soldiers and civilians — all PEN-eligible. AU Health, WellStar MCGHealth, and Charlie Norwood VA Medical Center provide thousands of healthcare jobs — all PEN-eligible. CSRA school districts and Augusta University employ hundreds of educators — all PEN-eligible. PEN provides 6% of purchase price or $12,500 (whichever is less) — $2,500 more than the standard track — as a 0% interest deferred second mortgage repaid only when the home is sold, refinanced, or vacated. The combination of Augusta county DPA + Georgia Dream PEN can cover the entire down payment and closing costs on a typical Augusta purchase.
💡 Georgia Has NO Mortgage Tax Credit — The DPA Stack Is Everything Here
This is a critical distinction from states like Oklahoma, Alabama, and Delaware in our series: Georgia does not offer a Mortgage Credit Certificate (MCC) or any state-level federal mortgage tax credit program. There is no equivalent of the $2,000/year federal tax credit available in Oklahoma or the 50% MCC available in Alabama. This means the Augusta homebuyer's lifetime benefit is essentially the upfront DPA stack rather than a 30-year tax credit accumulation. The maximum lifetime benefit in Augusta is the DPA amount — $22,500 maximum — rather than the $60,000–$90,000 lifetime values possible in MCC states. The upfront stack still covers a large portion of the down payment requirement on Augusta's $200K median, but buyers should understand this distinction when comparing programs across states.
⚖️ Augusta: $200K Median + $22.5K DPA = Largest DPA-to-Price Ratio in the Series
At Augusta's $200,000 median price with a 3.5% FHA down payment requirement of $7,000, a $22,500 DPA stack covers the entire minimum down payment ($7,000) and $15,500 in closing costs. No other city in our series has a higher DPA-to-purchase-price ratio — on a $200K home, $22,500 represents 11.25% of the purchase price in upfront assistance. This is exceptional. The practical implication: a qualifying Augusta buyer with a 640 score, who falls into PEN eligibility (military, teacher, or healthcare worker), and stacks the county DPA with Georgia Dream PEN, may close a $200K home with literally nothing out of pocket beyond the education course requirement and the 1% minimum buyer contribution.
Why Augusta Residents Need Credit Repair Before Buying
Augusta is the second-largest city in Georgia and one of its most economically diverse — with world-class golf tourism, Army Cyber Command, and major health systems sitting alongside a poverty rate above 20%. The gap between who can and who cannot access these programs is almost entirely credit score.
Augusta Homebuyer Assistance Programs
Five programs across county, state, and specialty tracks. All require 640 FICO minimum — and the right stacking strategy can cover your entire down payment and closing costs on a typical Augusta purchase.
Augusta-Richmond County Homeownership Assistance Program (HCD)
Up to $10,000 Forgivable Deferred Loan — 5-Year Occupancy — Down Payment & Closing Costs
The Augusta-Richmond County DPA program is administered through the Augusta Housing and Community Development Department and is funded through HUD's HOME Investment Partnerships Program. The 5-year full-forgiveness structure (versus the prorated forgiveness in some other programs) creates a clear, clean outcome: stay for 5 years and owe nothing. The full-balance-due-on-sale provision (not prorated) is important to understand — if you sell at year 3, you owe the full original amount back. This differs from programs with prorated forgiveness (e.g., 60% forgiven at year 3 = only 40% owed back). For buyers who plan to stay at least 5 years — which is typical for Fort Eisenhower military families in permanent change of station cycles and for healthcare workers in long-term AU Health positions — the full-forgiveness provision is clean and straightforward. An HCD-certified housing inspection is required for all properties receiving assistance — buyers should not confuse this with a professional home inspection, and should have an independent professional inspection done regardless. Contact Augusta HCD for current program status and funding availability: (706) 821-1797 or augustaga.gov/882/Home-Ownership.
Georgia Dream Standard DPA Loan
5% of Purchase Price or $10,000 (Whichever is Less) — 0% Interest — Deferred Until Sale/Refi/Move
The Georgia Dream Standard DPA is the foundation of the state homebuyer program — the first mortgage comes through a DCA-approved lender (50+ participating lenders statewide) and the DPA second mortgage is simultaneously originated and held by Georgia DCA. The 0% interest deferred structure means the $10,000 owed at eventual sale is still $10,000 — it doesn't accumulate interest. For buyers who plan to stay in the Augusta market for a long time, this is essentially a permanent reduction in their equity requirement, not a cost. The stacking opportunity with the Augusta-Richmond County DPA is significant: a qualifying buyer who uses both programs gets $20,000 in combined DPA on a $200K home — covering the full FHA down payment ($7,000) with $13,000 left for closing costs. Homebuyer education is required — Georgia DCA accepts workshops from DCA-approved agencies statewide as well as the eHome America online course. Contact a Georgia Dream participating lender or call DCA at 800-359-4663.
Georgia Dream PEN — Protectors, Educators & Nurses
6% of Purchase Price or $12,500 — Active Military, Public Safety, Teachers, Healthcare Workers
🎖️ Why PEN Is the Most Important Track for Augusta
Augusta's three largest economic pillars — Fort Eisenhower (Army Cyber Command HQ, 36,000+ military and civilian personnel), AU Health and WellStar MCGHealth (thousands of healthcare workers), and the CSRA school districts plus Augusta University (hundreds of educators) — all qualify for the PEN track. If you are active-duty military, a veteran using VA financing (check Peach Select), a law enforcement officer or firefighter, an RN/CNA/PA/doctor, a teacher, or a school support worker with an active contract, you are likely PEN-eligible. PEN pays $2,500 more than Standard — 6% of purchase price or $12,500 maximum (whichever is less) — for the same 0% deferred structure. On a $200K Augusta home, PEN provides the maximum $12,500, vs. $10,000 for Standard. Stacked with the Augusta-Richmond County DPA ($10,000), total at-closing assistance = $22,500.
The PEN track is selected at the same point in the Georgia Dream process as Standard — when applying through a DCA-approved lender, you indicate which track you qualify for and provide documentation. The lender originates the first mortgage (FHA, VA, USDA, or conventional) and Georgia DCA simultaneously funds the second mortgage DPA. The $12,500 cap means that for any Augusta purchase under ~$208,333, the 6% calculation hits the cap and you receive the full $12,500. For higher-priced homes (Evans, Martinez, Columbia County), PEN continues to provide 6% above the cap floor — e.g., on a $250K Evans home, 6% = $15,000, but it's still capped at $12,500. One important note: Georgia Dream Peach Select (veterans below-market rate) cannot be stacked with the Georgia Dream DPA second mortgage — active-duty military buyers need to choose between the Peach Select rate advantage and the PEN DPA benefit, depending on which is more valuable given their specific loan scenario. Retired veterans and VA-eligible buyers who are NOT using the Peach Select mortgage can still receive the PEN DPA.
Georgia Dream Peach Plus
First-Time & Repeat Buyers — Higher Income Limits (150% AMI) — Max $650K — DPA Available
Georgia Dream Peach Plus is the program track most relevant to Augusta's growing Cyber Command civilian workforce and senior AU Health medical professionals — buyers who often earn $150,000–$200,000+ and own previous homes, but still want structured financing and DPA assistance when purchasing in Augusta's Columbia County suburbs (Evans, Martinez, Grovetown). The Peach Plus first mortgage is originated by Lakeview Loan Servicing (not DCA-held) with a higher-than-market rate, but the DPA offsets the rate premium. For most Peach Plus buyers, the calculus is: is the DPA benefit worth the slightly higher rate? A Georgia Dream-approved lender can model this comparison against a standard conventional loan without Peach Plus. Ask specifically about the Peach Plus DPA amount and current rate before deciding. Homebuyer education required even for repeat buyers under Peach Plus.
Georgia Dream Peach Select — Veterans Program
Below-Market Interest Rate (~5.00%) — VA Loan — Income and Price Same as Standard
The Peach Select vs. PEN DPA decision is the most important strategic question for veteran buyers at Fort Eisenhower. Here's the comparison on a $200K Augusta purchase: Peach Select rate savings at 5% vs. 7% = approximately $188/month = $67,680 over 30 years. PEN DPA = $12,500 at closing + (potentially) Augusta County DPA = $10,000, total $22,500. On a pure math basis, the Peach Select rate savings over 30 years ($67,680) exceed the PEN DPA benefit ($22,500) if the veteran stays the full loan term. However, most buyers don't hold a mortgage for 30 years — if the veteran plans to refinance when rates drop or PCS in 5–7 years, the upfront PEN DPA may be more immediately valuable. This calculation is worth running with your specific numbers through a Georgia Dream-approved lender before making the decision. If Peach Select + Augusta County DPA stacking is confirmed (Augusta County DPA is separate from Georgia Dream), veterans may access the rate benefit AND $10,000 county assistance simultaneously — the optimal outcome.
⚠️ Important: Georgia Has No Mortgage Tax Credit (MCC) Program
Unlike Oklahoma (40% federal tax credit, $2K/year), Alabama (50% MCC), and other states in our series, Georgia does not offer a state-level Mortgage Credit Certificate or any federal mortgage interest tax credit program for homebuyers. This is confirmed by the Georgia Department of Community Affairs and multiple independent sources. The maximum lifetime financial benefit for Augusta buyers comes from the upfront DPA stack — $22,500 maximum for PEN-eligible buyers — rather than from an ongoing tax credit. There is no "hidden" 30-year tax benefit accumulating in Augusta. This makes reaching 640 FICO and maximizing the upfront DPA stack even more important here than in states with ongoing tax credit programs.
🌿 Maximum Augusta Stacking Scenario — $200K Home, PEN-Eligible Buyer (Military/Teacher/Healthcare)
* Stacking Georgia Dream DPA and Augusta-Richmond County DPA requires verification with a DCA-approved lender also approved by Augusta HCD. Both use separate funding streams (DCA state funds vs. HUD HOME county funds), making simultaneous stacking feasible. PEN eligibility requires profession documentation. Georgia Dream DPA is not forgiven — it is repaid at sale/refinance/vacancy. Augusta County DPA is fully forgiven at year 5. All programs require 640 FICO, 80% AMI income eligibility (for county and Standard/PEN), and completion of a HUD-certified homebuyer education course. Georgia has no MCC/mortgage tax credit — the DPA stack is the full extent of the program benefit. Purchase price for Augusta County DPA must not exceed 95% of county median sale price — verify current limit with Augusta HCD.
The Real Cost of a Low Score on a $200,000 Augusta Home
On a 96.5% LTV FHA loan ($193,000 financed) — the most common structure for DPA buyers in Augusta — here's what each credit score tier actually costs:
| Credit Score | Est. Rate (30-yr FHA) | Monthly P&I | Total Interest (30 yr) | Extra Cost vs. 760+ |
|---|---|---|---|---|
| 760–850 | 6.50% | $1,220 | $246,046 | Baseline |
| 720–759 | 6.75% | $1,251 | $257,300 | +$11,254 |
| 680–719 | 7.10% | $1,296 | $273,016 | +$26,970 |
| 640–679 | 7.60% | $1,362 | $297,113 | +$51,067 |
| 580–619 | 8.20% | $1,443 | $326,475 | +$80,429 |
| Below 580 | Ineligible for Augusta County DPA, Georgia Dream Standard, PEN, Peach Plus, and Peach Select — all five programs blocked at closing | $22,500 DPA lost | ||
* Rate estimates for illustration only. Add forfeited DPA: Augusta County ($10K) + Georgia Dream PEN ($12.5K) = $22,500 in lost upfront assistance for any buyer below 640. True cost of a score below 640 on a $200K Augusta home = rate penalty + forfeited DPA = up to $102,929 over 30 years. Georgia has no MCC, so there is no additional lifetime tax credit to forfeit beyond the DPA amounts shown.
Why Augusta Residents' Credit Gets Damaged
Augusta-specific credit damage patterns we see most frequently — and know how to dispute strategically.
Fort Eisenhower PCS Orders & Military Separation Credit Gaps
Fort Eisenhower (formerly Fort Gordon) — Army Cyber Command HQ — drives PCS (Permanent Change of Station) moves that temporarily disrupt soldiers' financial lives even as income remains steady. Separation from military service creates sudden income transitions, COBRA insurance gaps, and concentrated credit stress windows. Military entries in credit files frequently have date-of-first-delinquency inaccuracies (key FCRA dispute trigger) because the reporting institutions don't account for deployment status, BAH changes, or the precise timing of separation paperwork.
AU Health & MCGHealth Medical Collections — Highest Dispute Success Rate
Augusta University Health and WellStar MCGHealth are the dominant health systems in the CSRA. With a 20% poverty rate and significant uninsured/underinsured population, medical collections from these systems are among the most common entries in Augusta credit files. A single uninsured ER visit or hospital stay can produce $5,000–$20,000 in medical collections reporting on all three bureaus. These entries have the highest dispute success rate in our practice — frequently removed due to balance inaccuracies when sold to debt buyers, statute of limitations issues, and HIPAA/FCRA technical violations in how the data was transferred.
Masters Golf Tournament Seasonal Employment & Income Spikes
The Masters Golf Tournament generates significant seasonal employment and income each April in Augusta. Workers who rely on Masters-adjacent income (hospitality, rental management, event services, retail) experience concentrated income spikes followed by leaner periods. Lenders and credit issuers sometimes react to income volatility by reducing credit limits or tightening terms — creating utilization spikes that damage scores even when no payments have been missed. These utilization-driven drops often reverse with simple credit strategy adjustments.
Manufacturing & Warehouse Layoffs — Columbia County & I-20 Corridor
Augusta's I-20 corridor has significant manufacturing and distribution employment (Club Car manufacturing, various logistics and fulfillment operations). Periodic layoffs and workforce reductions at these facilities create concentrated credit damage events — clusters of late mortgage or rent payments, auto delinquencies, and utility collection accounts from the same short window. These clustered entries often show inconsistent reporting dates across bureaus, creating strong FCRA dispute grounds based on the "date of first delinquency" accuracy requirement.
Augusta University & Paine College Student Loan Default Cascades
Augusta University and Paine College generate significant student loan debt in the CSRA workforce. Former students who entered default on federal student loans often have cascading credit effects — the default itself, collection accounts from private servicers, and sometimes tax refund seizures that create additional financial disruption. Student loan rehabilitation and strategic dispute of associated collection accounts frequently produce significant score improvements for AU and Paine College alumni.
Subprime Auto Along Gordon Highway & Washington Road
Augusta's Gordon Highway and Washington Road corridors have heavy concentrations of buy-here-pay-here dealerships serving the CSRA's significant working-class and military enlisted population. Subprime auto contracts at 20–30% APR frequently end in voluntary surrender or repossession when income is disrupted — particularly affecting enlisted soldiers who sometimes take on auto debt beyond their BAH allowance. These repos often include inaccurate deficiency balance reporting, creating strong FCRA dispute opportunities.
Real Augusta Clients. Real Results.
Real outcomes from Augusta-area clients who worked with David to reach 640 and access these programs.
"I'm an Army Cyber specialist at Fort Eisenhower. When I got my PCS orders I missed two payments on a car loan during the move — just chaos and timing. Score dropped to 581. David caught the date-of-first-delinquency was reported wrong on all three bureaus — got all three disputed and removed. Also cleared two AU Health collections from when I was between TRICARE and new coverage. Four months, 581 to 644. Got the Georgia Dream PEN track plus the Augusta County DPA — $22,500 total at closing. Bought in Grovetown. My family paid nothing out of pocket beyond the homebuyer education course."
"I'm a registered nurse at AU Health. Had a Paine College student loan default from 2018 — the collection account had an inaccurate original creditor listed (sold to a third party who reported the wrong original amount). David got it removed after two rounds. Also had a MCGHealth collection for $4,200 — they sold it to a debt buyer who reported a different balance than the original. Removed. Score went from 567 to 641 in five months. PEN DPA gave me $12,500 toward my closing. I'd tried to repair my credit myself for two years. David did in five months what I couldn't do alone."
"Retired Army, Fort Gordon — sorry, Fort Eisenhower. Separated in 2021 and had six months of instability. Two credit cards went 60 days late, one auto delinquency. Also a Charlie Norwood VA hospital bill from a disputed procedure that ended up in collections — $7,800. David got the VA collection removed (billing dispute + inaccurate service date), and disputed the late marks on the credit cards. 548 to 651 in four months. Chose Georgia Dream Peach Select for the 5% VA rate — saving $182 a month compared to market. Augusta County DPA layered on top of Peach Select as well. David was professional, thorough, and available to answer my questions personally."
How We Get You to 640+ for Augusta's Programs
100% remote — no office visit required anywhere in the country. David personally reviews every file.
Free Credit Review
David pulls all three bureau reports and identifies every disputable item — Fort Eisenhower PCS lates, AU Health and MCGHealth medical collections, Paine College student loan cascades, and Gordon Highway buy-here-pay-here repos. Every client's file is reviewed personally.
Custom Dispute Strategy
Augusta-specific damage patterns — military PCS-period entries with inaccurate dates, medical collections with balance discrepancies from debt buyer resales, student loan defaults with creditor identification errors — have well-established FCRA dispute pathways. We target the highest-impact items on your specific file first.
Multi-Bureau Disputes + Escalation
Simultaneous Equifax, Experian, and TransUnion disputes. Stubborn items escalated to CFPB complaints and attorney-accelerated letters that compel responses within legal timeframes — significantly faster than standard consumer disputes.
Score Reaches 640+
Most Augusta clients reach the qualifying threshold in 3–5 months. We time your program application — Georgia Dream DCA, Augusta HCD, or Peach Select — to your peak credit score cycle for maximum DPA eligibility. Homebuyer education completion is coordinated with your score timeline.
Frequently Asked Questions — Augusta Credit & DPA
Can I stack the Augusta-Richmond County DPA with a Georgia Dream DPA at the same time?
Yes — this stacking is generally possible because the two programs draw from different funding sources: Augusta-Richmond County uses HUD HOME Investment Partnerships Program funds administered by Augusta HCD, while Georgia Dream uses state DCA bond funds and trust funds. These are separate funding streams that don't prohibit simultaneous use. The critical step is working with a lender who is (a) approved by Georgia Dream DCA and (b) also familiar with the Augusta HCD process. At closing, the Augusta HCD DPA is recorded as one subordinate lien and the Georgia Dream DPA as a second subordinate lien — a common structure. Confirm the specific stacking configuration with both Augusta HCD (706-821-1797) and your Georgia Dream-approved lender before proceeding. PEN-eligible buyers who successfully stack both programs receive $22,500 at closing on a $200K home — covering the entire FHA down payment requirement plus most or all closing costs.
I'm active duty at Fort Eisenhower. Should I choose Georgia Dream PEN DPA or Peach Select (VA rate)?
This is the most important financial decision for Fort Eisenhower active-duty buyers. Here's the comparison on a $200K purchase: Georgia Dream PEN DPA = $12,500 at closing (+ potentially $10,000 Augusta County DPA = $22,500 total). Georgia Dream Peach Select = 5% VA rate vs. market rate of ~7%, saving approximately $188/month or $67,680 over 30 years. On pure math for a 30-year hold, Peach Select wins. But most military buyers don't hold a property 30 years — another PCS, promotion, or separation typically happens within 5–7 years. If you plan to stay 5 years and then sell: PEN DPA ($22,500) vs. Peach Select savings (5 years × $188/month × 12 = $11,280). PEN DPA wins over 5 years. If you plan to stay 10+ years: Peach Select rate savings accumulate toward $22,500+ eventually and become more competitive. Run the specific numbers with a DCA-approved lender who works regularly with Fort Eisenhower buyers. Ask for a 5-year and 10-year comparison in writing.
Does Georgia have a Mortgage Credit Certificate (MCC) or tax credit for homebuyers?
No. Georgia does not operate a Mortgage Credit Certificate program or any equivalent state-level federal mortgage interest tax credit. This is confirmed by the Georgia Department of Community Affairs and is different from states like Oklahoma (40% MCC = $2,000/year), Alabama (50% MCC), Delaware, and others in our series where buyers can stack a lifetime $60,000+ federal tax credit on top of DPA. In Georgia, the maximum benefit is the upfront DPA stack — $22,500 for PEN-eligible buyers — with no ongoing annual tax credit accumulating afterward. This distinction is important for comparing the lifetime value of Augusta programs to programs in other states. The absence of a Georgia MCC makes reaching 640 FICO and maximizing the upfront DPA even more critical here.
What happens to the Augusta County DPA if I sell my home before 5 years?
The Augusta-Richmond County DPA has a full-balance-due-on-sale provision, not a prorated forgiveness structure. This is an important distinction: if you received $10,000 in county DPA and sell at year 3, you owe the full $10,000 back at closing — not a prorated portion. Compare this to the Georgia Dream DPA, which is simply a deferred second mortgage that comes due (the full original balance) upon sale regardless of timing. Neither program forgives or reduces the amount owed based on years of occupancy except the Augusta County program which reaches full forgiveness at exactly year 5. If you receive the full $10,000 county DPA and your home appreciates from $200K to $220K by year 3 when you sell, you have the equity to repay the $10,000 at closing without out-of-pocket expense — it just reduces your net proceeds. For buyers who are unsure about staying 5 years (military buyers expecting PCS orders, for example), this is a key discussion to have with Augusta HCD and your lender before closing.
I'm a nurse at AU Health. What documentation do I need for the PEN track?
For healthcare workers applying for Georgia Dream PEN, you'll typically need to provide your nursing license (state RN/LPN license number and current status) plus an employer verification letter from AU Health's HR department confirming your active employment in a healthcare capacity. The letter doesn't need to be elaborate — it just needs to confirm your name, position (RN, PA, pharmacist, etc.), and current employment status. Your lender will specify the exact format required at the time of application. Importantly, the healthcare occupation must involve direct patient care or clinical services — administrative healthcare staff may or may not qualify depending on DCA interpretation at the time. Ask your lender to confirm eligibility for your specific job title with DCA before closing. For AU Health employees in non-clinical roles, Georgia Dream Standard (same income limits, $10,000 DPA) is always available.
How long does credit repair take for typical Augusta clients?
Most Augusta clients reach the 640 qualifying threshold in 3–5 months. AU Health and MCGHealth medical collections have the highest removal success rate in our practice — especially when accounts have been sold to debt buyers who frequently report incorrect original creditor identification or inaccurate balance amounts. Fort Eisenhower military-period entries (PCS-related lates, separation-period delinquencies) often have FCRA-disputable date inaccuracies that accelerate removal. Student loan rehabilitation and Paine/AU default resolution take longer — typically 4–6 months depending on servicer responsiveness. Buy-here-pay-here repos from Gordon Highway dealers take the longest (3–4 dispute rounds) due to aggressive reporting but often include deficiency balance inaccuracies. We provide a realistic case-specific timeline based on your actual three-bureau report at the free review stage.
Augusta Has Up to $22,500 in Stacked DPA Available
Your Credit Score Is the Only Barrier
Augusta-Richmond County DPA ($10K forgivable, 5 years) + Georgia Dream PEN ($12.5K for military, teachers & healthcare) = $22,500 at closing on a $200K home. On the most affordable major market in Georgia, this combination can eliminate your entire down payment and closing cost requirement. But both programs require 640 FICO — and that's exactly what we do. Free review, no commitment — David personally reviews every file.
