Are you a first-time homebuyer in Tennessee? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Volunteer State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Start your exciting journey towards owning a home in Tennessee today.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| L&NFCU Welcome Home Grant | Up to $7,500 in down payment assistance | Homebuyers that are veterans or active duty military and can meet income requirements | Grant |
| Tennessee Down Payment Partnership | Down payment and closing cost assistance - amount not specified | First time homebuyers that can meet income requirements | Second loan |
| THDA: Great Choice Home Loan and Down Payment Assistance | Up to $7,500 in down payment assistance | First time homebuyers that can meet income and credit score requirements | Second mortgage |
| HDA: Home Ownership Voucher Program | Reduced monthly mortgage payments - amount not specified | First time homebuyers enrolled in housing choice voucher program and meet credit score requirements | Subsidy |
| THDA: New Start Loan Program | Low to no interest primary home loan | First time homebuyers that can meet income requirements and buying new construction | Loan |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Bledsoe | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Bradley | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Carter | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Davidson | NeighborhoodLIFT | Up to $15,000 in down payment assistance | Homebuyers that can meet income requirements | Not specified |
| Greene | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Grundy | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Hamilton | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Hancock | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Hawkins | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Johnson | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Marion | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| McMinn | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Meigs | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Polk | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Rhea | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Rutherford | NeighborhoodLIFT | Up to $15,000 in down payment assistance | Homebuyers that can meet income requirements | Not specified |
| Sequatchie | CNE Down Payment Assistance | Up to 5% of pruchase price you can use for down payment assistance | Any homebuyer that can meet the income requirements | Second mortgage |
| Shelby | Shelby County's Down Payment Assistance (DPA) Program | Up to $3,500 in down payment assistance | Homebuyers that can meet income requirements | Second loan with a 5% interest rate |
| Sullivan | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Sullivan | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Sumner | NeighborhoodLIFT | Up to $15,000 in down payment assistance | Homebuyers that can meet income requirements | Not specified |
| Unicoi | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Washington | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Washington | Eastern Eight CDC | Down payment assistance - amount not specified | Homebuyers that can meet income requirements | Not specified |
| Wilson | NeighborhoodLIFT | Up to $15,000 in down payment assistance | Homebuyers that can meet income requirements | Not specified |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Bluff City | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Bristol | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Chattanooga | City Down Payment Assistance | Up to 5% pruchase price that can be used for down payment assistance | Homebuyers that can meet income and credit score requirements | Second mortgage |
| Clarksville | First Time Homebuyer's Program | Up to $5,000 in down payment assistance and up to 6.5% of sale price for closing costs | First time homebuyers that can meet income requirements | Second mortgage with a 0-3% interest rate |
| Johnson City | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Kingsport | Affordable Home-Ownership Program | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second loan |
| Knoxville | Down Payment Assistance Program | Down payment assistance - amount not specified | Any homebuyer that can meet the income requirements | Not specified |
| Memphis | Citywide DPA | Up to $10,000 in down payment assistance | First time homebuyers that can meet income requirements | Lien with a 0% interest rate |
| Memphis | HOPE Plus | Up to $5,000 in down payment assistance | First time homebuyers that can meet income and credit score requirements | Second mortgage with a 5% interest rate |
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