Homebuyer Information

Homeownership Makes Sense! Buying and maintaining a home is a first step in becoming financially established. Your own home is something to take pride in as you and your family make lasting memories.

The Georgia Department of Community Affairs (DCA) has several programs to help low to moderate income persons become homeowners.

The Georgia Dream Homeownership Program offers first mortgages and down payment assistance for qualified first time homebuyers.

The Georgia Dream First Mortgage is a 30-year fixed rate first mortgage loan. You must be an eligible first time homebuyer or have not owned a home in the past three years. The total household income can be no more than $58,000 (1 or 2 persons) or $67,000 (3 or more persons). You may qualify to purchase a home with a sales price of up to $200,000.

You may also qualify for a Georgia Dream Down Payment Assistance Loan that provides at least $5,000 in Down Payment Assistance. This must be used along with a GA Dream or USDA Rural Development first mortgage. Income and sales price limits apply.

Features include:

No Monthly Payments
No Interest
Loan must be repaid when home is sold or refinanced or no longer used as the borrower’s personal residence.
Borrower contributes a minimum of $500 to the purchase transaction.
Borrower must complete Homebuyer Education provided by a DCA or HUD approved education counselor.

Down Payment Assistance loans vary according to the programs below:

STANDARD - All eligible homebuyers, $5000
PEN - Eligible homebuyers who are employed by entities that provide public protection (including the military), health care, or education, $7,500
CHOICE - Eligible homebuyers whose household includes an individual living with a disability, $7,500 - $10,000
HONORS - Eligible homebuyers who are the surviving spouse of a military serviceman or servicewoman or of a public protector, $10,000
WELCOME HOME - Eligible members of Georgia's Army and Air National Guard who purchase a home in the State of Georgia, $10,000
EV - Energy efficient and/or visitable homes that are certified to meet the Energy Star, EasyLiving Home or EarthCraft House program requirements, $7,500

To apply for the GA Dream Loans, you must contact a DCA approved lender. Click here for the list of lenders in Region 10.

USDA Rural Development Home Loans

If you purchase a house outside of the Thomasville City limits, you may be eligible for a mortgage through USDA Rural Development. Click here to learn more about their eligibility requirements. For more information, call the Local Office in Camilla at 229-336-0371.

Homes for Sale: Real Estate

This is an interactive link to help you find real estate to buy in the Thomasville area. Click here to find houses that can meet your financial needs.

For a list of property for sale through government agencies, including foreclosures, USDA Rural Development, etc. click here.

Before you buy a house or property, you should research the tax values and other information on the house and neighborhood. For information on taxes for property within Thomas County, visit the Thomas County Tax Assessors Website. Surrounding counties are also available at www.qpublic.net/ga.