Georgia Dream PEN: up to $12,500 toward your down payment for protectors, educators and nurses (terms effective July 8, 2026). Start the six-question check

Georgia Dream PEN by place

Down payment assistance by county in Georgia

PEN works in all 159 Georgia counties. Here are guides for the 20 largest, with each county's income and price limits and the local employers whose staff may qualify.

Fulton CountyAtlantaIncome cap $158,188 · price cap $625,000Gwinnett CountyLawrencevilleIncome cap $158,188 · price cap $625,000Cobb CountyMariettaIncome cap $158,188 · price cap $625,000DeKalb CountyDecaturIncome cap $158,188 · price cap $625,000Chatham CountySavannahIncome cap $116,955 · price cap $475,000Cherokee CountyCantonIncome cap $158,188 · price cap $625,000Clayton CountyJonesboroIncome cap $158,188 · price cap $625,000Forsyth CountyCummingIncome cap $158,188 · price cap $625,000Henry CountyMcDonoughIncome cap $158,188 · price cap $625,000Hall CountyGainesvilleIncome cap $116,955 · price cap $475,000Richmond CountyAugustaIncome cap $116,955 · price cap $475,000Muscogee CountyColumbusIncome cap $116,955 · price cap $475,000Paulding CountyDallasIncome cap $158,188 · price cap $625,000Houston CountyPerryIncome cap $116,955 · price cap $475,000Columbia CountyApplingIncome cap $116,955 · price cap $475,000Coweta CountyNewnanIncome cap $158,188 · price cap $625,000Bibb CountyMaconIncome cap $116,955 · price cap $475,000Douglas CountyDouglasvilleIncome cap $158,188 · price cap $625,000Carroll CountyCarrolltonIncome cap $158,188 · price cap $625,000Clarke CountyAthensIncome cap $135,875 · price cap $525,000
See the same numbers as a table
CountyCounty seatIncome cap, 3 or more peoplePrice cap
Fulton CountyAtlanta$158,188$625,000
Gwinnett CountyLawrenceville$158,188$625,000
Cobb CountyMarietta$158,188$625,000
DeKalb CountyDecatur$158,188$625,000
Chatham CountySavannah$116,955$475,000
Cherokee CountyCanton$158,188$625,000
Clayton CountyJonesboro$158,188$625,000
Forsyth CountyCumming$158,188$625,000
Henry CountyMcDonough$158,188$625,000
Hall CountyGainesville$116,955$475,000
Richmond CountyAugusta$116,955$475,000
Muscogee CountyColumbus$116,955$475,000
Paulding CountyDallas$158,188$625,000
Houston CountyPerry$116,955$475,000
Columbia CountyAppling$116,955$475,000
Coweta CountyNewnan$158,188$625,000
Bibb CountyMacon$116,955$475,000
Douglas CountyDouglasville$158,188$625,000
Carroll CountyCarrollton$158,188$625,000
Clarke CountyAthens$135,875$525,000

Limits shown are for Georgia Dream (non-Peach Plus) loans reserved on or after July 8, 2026. Is your county missing? The program is open across the whole state, and the full limits table covers every county.