Dream Maker Home Buyer Assistance Program

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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

City-wide eligibility 

  • 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

Dream Maker 2

CDBG Target Neighborhoods, Neighborhood Revalitization Areas and Succession Neighborhoods are eligible

  • 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 Target Neighborhoods, Neighborhood Revitalization Areas generally north of Victory Drive and Succession Neighborhoods
  • Succession Neighborhoods: Edgemere/Sackville, Paradise Park/Oakhurst, Largo Woods, Wilshire Estates/Savannah Mall, and Windsor Forest
  • Revitalization Areas: Benjamin Van Clark; Cuyler/Brownville; Feiler Park; Ogeecheeton; Savannah Gardens (including portions of East Savannah and Twickenham); West Savannah and Waters Avenue Corridor (One Block East and West of Waters Avenue

Dream Maker 3

New construction only

  • Maximum Loan amount: New Construction in Revitalization 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

  • Neighborhood Revitalization Areas - Up to $30,000
  • CDBG and Neighborhood Renaissance 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: Benjamin Van Clark; Cuyler/Brownville; Feiler Park; Ogeecheeton; Savannah Gardens (including portions of East Savannah and Twickenham); West Savannah and Waters Avenue Corridor (One Block East and West of Waters Avenue)

Dream Maker Application Booklet

Dream Maker Brochure


Housing & Neighborhood Services Department

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

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

Community Housing Services Agency,Inc. (CHSA)

Darrel Daise 651-2169 - ext. 1874
Email Darrel Daise

Deneen Young 651-2169 - ext. 1931
Email Deneen Young