Dream Maker Home Buyer Assistance Program

Apply Now

IF YOU HAVE ALREADY APPLIED, PLEASE DO NOT APPLY AGAIN.  Call us if you have any questions at 912-651-6926.


The Housing & Neighborhood Services Department (HNSD) offers three Dream Maker (DM) programs with different levels of home buying assistance offering affordable loans for down payment assistance, closing costs, gap financing and other related expenses. The level of assistance varies depending on the location and construction type of the home.

Dream Maker 1

  • Up to $5,000 deferred, repayable upon transfer of title, refinance, or demise
  • Minimum of $1,000 home buyer contribution toward home purchase
  • Outside of Target Neighborhoods
  • City-wide eligibility

Dream Maker 2

CDBG Neighborhoods

  • Up to $7,500 deferred, repayable upon transfer of title, refinance, or demise
  • Minimum of $1,000 home buyer contribution
  • House location inside of CDBG Neighborhoods (list coming soon)

Dream Maker 3

New construction only

  • Maximum Loan amount: New Construction in Urban Redevelopment and CDBG Areas. Home must be pre-approved by HNSD for the DM 3 program prior to construction
  • Savannah Gardens (only) - Up to $60,000*, deferred, repayable upon transfer of title, refinance, or demise. * Up to $60,000 for two-story homes; Up to $40,000 for single-story homes 
  • Urban Redevelopment Areas - Up to $30,000
  • CDBG Neighborhoods - Up to $20,000
  • Maximum term: 30 years deferred, payable upon transfer of title, refinance, or demise
  • Minimum of $1,000 home buyer contribution
  • Revitalization Areas: Urban Redevelopment Areas (URA)

Dream Maker Program Guidelines (coming soon)

Application must be downloaded and saved to your computer in order to submit.

Dream Maker Application   Dream Maker Flyer


Housing & Neighborhood Services Department

Iris Bryant 651-6926 - ext. 1886
Lending Coordinator Email Iris Bryant

Adela Smith 651-6926 - ext. 1890
Loan Officer Email Adela Smith

Community Housing Services Agency, Inc. (CHSA)

Anita Smith-Dixon 651-2169
Email Anita Smith-Dixon