"Game ready" programs to use?

DefaultName

I build G8/9 characters in Daz and hearing so much about games makes me wonder. Are there programs like gmod or unreal engine or something people know to place Daz characters and animate them or make physics poses? Like a hand falling or hair, I know of d force but I'm presuming game programs just do these faster?

WendyLuvsCatz

Unreal engine does, you can create grooms for hair and it has Apex cloth and ragdoll physics 

there is an Unreal forum section here you can search through 

Unity too but I don't use Unity