Georgia Dream · official rate snapshot
Georgia Dream mortgage rates: what the published numbers mean for a home search
Rates change. This page records the official Georgia Department of Community Affairs rate snapshot effective September 10, 2026, then connects those assumptions to buyer-planning tools. Jazz is a REALTOR®, not a lender.
WHAT’S NEXT
Official snapshot · effective Sept. 10, 2026
Published Georgia Dream rates at this snapshot.
Georgia DCA lists the Georgia Dream First Mortgage at 6.000% for a 30-year fixed loan, Peach Select VA at 5.000% for a 30-year fixed loan, and Peach Plus FHA/VA at 6.500% for a 30-year fixed loan. Rates can change; always verify the current DCA page and lender terms.
Do not shop by rate alone
Rate, APR, points, fees, insurance, taxes and cash to close all affect the decision.
A published program rate is not a personal loan quote or approval. Ask a participating licensed lender about eligibility, APR, points, fees, mortgage insurance, down-payment assistance, estimated cash to close, and what can change before closing.
Turn a rate into a housing scenario
Use the rate as an assumption—not a promise.
The affordability and payment tools let you enter a rate assumption and stress-test a monthly housing budget. Actual qualification depends on lender underwriting and the specific property.
Open the affordability plannerProperty search
Once the financing conversation gives you a range, build the search with Jazz.
Jazz can help with location, property type, tours, offers, and the real-estate process. Financing advice and approval come from a licensed lender.