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)

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

Dream Maker Application  (download to your computer, complete form, save and e-mail to submit)

Dream Maker Brochure

The Applicant and Co-Applicant must provide all of the following, if applicable: 

  • Please complete and sign the attached application
  • Attach a copy of a Picture ID for the Applicant and Co-Applicant
  • Copy of current income for ALL household members, including most recent:
  • 9 paycheck stubs (if paid every week)
  • 5 paycheck stubs (if paid every two weeks)
  • 4 paycheck stubs (if paid twice a month)
  • 2 paycheck stubs (if paid once a month)
  • Proof of Child Support (Most recent 12 months print out)
  • Copy of Child Support Court Order
  • Current Year SSI (Social Security Supplemental Income Awards letter – if applicable)
  • Current Year SSA (Social Security Awards letter - if applicable)
  • Current Pension checks or letter
  • Current Year VA Disability or Retirement letter
  • Signed Federal Tax Returns for two most recent years
  • All W-2s for two most recent years
  • Bank Statements (2 most recent months for each account) - all pages, including blank pages
  • Most recent quarterly IRA/401k statement (if applicable) - all pages, including blank pages
  • Copy of Home Buyer’s Education Certificate- Date MUST be 1 year or less 

PARTNERS - In Educating Future Home Buyers

Please call to schedule your class with one of the following organizations below.

Consumer Credit Counseling Services (CCCS)

7505 Waters Ave. Ste C-11
Savannah, GA 31406
912-691-2227

Neighborhood Improvement Association (NIA)

1816 Abercorn St
Savannah, GA 31401
912-447-5577

Economic Opportunity Authority (EOA)

618 West Anderson St
Savannah, GA 31415
912-238-2960 Ext. 131


Housing & Neighborhood Services Department

Iris Bryant 651-6926 - ext. 1886 
Lending Coordinator 
Adela Smith 651-6926 - ext. 1890
Loan Officer 
Anita Smith-Dixon 651-2169