Down payment assistance · Tennessee

Buying a home in Tennessee

48 programs: 11 statewide, the rest run by counties and 8 cities. What you can use depends on where the home is.48 programs across Tennessee: 11 statewide, the rest run by counties and 8 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Shelby	15	$249,100	$92,700	See Shelby
Hamilton	5	$312,800	$97,400	See Hamilton
Davidson	4	$417,400	$116,100	See Davidson
Knox	4	$320,900	$103,700	See Knox
All 95 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July 2026.

Anywhere in Tennessee

11 statewide programs

Up to $200,000

THDA New Start Loan Program

First mortgage · New construction · Income limits

See details

Up to $35,000

The Housing Fund Down Payment Assistance

Repayable second loan · Income limits

See details

Up to $20,000

FHLB Cincinnati Welcome Home Program (TN)

Assistance grant · Forgiven over 5 yrs · Income limits · Veterans

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

29 HUD-approved counseling agencies in Tennessee29 HUD-approved housing counseling agencies in Tennessee

All 11 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 11 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in TennesseeArea median income for all 95 counties, and the limit each program sets.See the limits

Tennessee questions

What is THDA New Start Loan Program?

THDA New Start Loan Program, a first mortgage (new construction, income limits), open anywhere in Tennessee. Its page has the details and a link to the official site.

Which Tennessee counties run their own programs?

11 counties of 95 have a county or city program listed, among them Shelby, Hamilton, Davidson and Knox. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Tennessee?

Many programs ask for one. 11 of the 11 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Tennessee condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.