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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

38 River Shoals Drive, Athens, GA 30606

Overpriced

Priced about $727,371 (71%) above comparable homes. Estimated market value $1,022,629, based on 100 comparable homes in the metro.

Estimate from Veribas listing comps — a guide, not an appraisal.

About this home

The main-level primary suite is a sanctuary unto itself, with windows overlooking the shoals and an enormous custom closet. The soaking tub has beautiful views of the shoals and tree canopy. A walk-in laundry room with pocket door and convenient half bath complete the well-appointed main floor. Upstairs, three light-filled bedrooms offer serene nature views, with the third…

Master on mainBasementGarageWaterfront

Listing remarks courtesy of Corcoran Classic Living.

Listing courtesy of Corcoran Classic Living· GAMLS #10782977

706-559-4520

Down payment assistance

Upper-income census tract 13059130602 · Clarke County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).

Chenoa Fund down payment assistance

5% of the price · Forgivable loan (forgiven after a set time in the home)

For down payment. 600+ credit score. Ends Dec 31, 2026.

A second mortgage for 3.5% or 5% of the price, paired with an FHA loan through Southeast Mortgage. The forgivable version is 0% and forgiven after 36 on-time payments (due in full if you sell or refinance sooner); a repayable version is paid monthly over 10 years. No income limit, repeat buyers welcome, 600+ credit. Source: chenoafund.org and southeastmortgage.com/uga (checked 2026-09-24).

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Truist, a Georgia Dream participating lender. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov (lender list and program matrix, checked 2026-09-24).

Truist Community Homeownership Incentive Program (CHIP)

up to 100% financing · Low down payment loan (the home loan itself — little or nothing down)

For down payment, mortgage insurance. Ends Dec 31, 2026.

A Truist home loan with little or nothing down — not a grant. Up to 100% financing in the Atlanta-Sandy Springs-Alpharetta metro and up to 97% elsewhere, no mortgage insurance, at least $500 of your own money, 30-year fixed up to the conforming limit. Income limits and homebuyer education may apply. Source: truist.com/mortgage/affordable-home-loan-options (checked 2026-09-24).

Programs are published by the lenders, who set and confirm eligibility. The home's census tract is one requirement; buyer income, credit and other rules also apply.