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The real estate market in Georgia is not as bad as it is in other markets, yet even so, there seems to be more houses available than there are buyers. Such a buyer’s market often leads to first time home buyers being able to find houses they can afford earlier in life than they expected to. About the only difficulty first time home buyers will run into in Georgia is coming up with enough cash to make a down payment of 6 to 10%, plus have enough left over for closing costs.