All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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How much house can I afford in Georgia? →Georgia's primary state Housing Finance Agency (Georgia Department of Community Affairs, DCA) first-mortgage program for first-time homebuyers (defined as not having owned and occupied a home in the prior 3 years) statewide. Pairs a market-rate 30-year fixed mortgage with a 0%-interest, deferred-repayment down payment/closing cost assistance loan (up to $10,000 or 5% of the purchase price, whichever is less, repaid only at sale/refinance/payoff); an enhanced 'PEN Choice' assistance tier is available for protectors, educators, and nurses. Requires a minimum $1,000 borrower contribution and completion of HUD-approved homebuyer counseling/education.
A DCA Georgia Dream product with expanded eligibility versus the core program: open to both first-time AND repeat buyers, with a higher purchase price limit and higher income limits. Also pairs with down payment/closing cost assistance on the same terms as the core program.
Georgia taxes the sale price and the loan amount separately. Here's what closing on a $360,000 Georgia home really costs, including the $864 intangible tax.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.