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

Repayment calculator

If you move or refinance early, what might you pay back?

A lot of Georgia down payment help is really a loan. Choose the kind of help you're looking at, and this table shows roughly what you'd owe if you sold, refinanced or moved out after a certain number of years.

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Leaving the home after

Treat these as ballpark numbers. Programs differ on how forgiveness works, on what they treat as a sale or refinance, and on how they measure growth in value. Before any papers are signed, your lender will spell out the real terms.

Get numbers from a real lender