Second mortgage
CNE Down Payment Assistance (Regional)
New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Hamilton County
Buying a home in Chattanooga, TN
5 Chattanooga programs and 11 statewide.Chattanooga has 5 programs of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Chattanooga’s own programs
Forgivable loan
City of Chattanooga Down Payment Assistance Program
First-time homebuyers · Income limits · single_family · townhome · condo
Forgivable loan
City Down Payment Assistance
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation per HOME / first-mortgage rules.
Forgivable loan
CNE Down Payment Assistance
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation per HOME / first-mortgage rules.
First mortgage
Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage
First-time homebuyers · New construction · Income limits · Single Family
The Chattanooga marketThe Chattanooga housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chattanooga
- 57.6% single-familysingle-family
- 5.3% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 25.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
Condos count. 4 of Chattanooga’s 5 local and county programs accept condos. Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chattanooga’s homes were built
pre-19401970s2020+
54.5%
of Chattanooga homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$97,400
County area median income, 4 people (HUD)HUD area median income, Hamilton County, 4-person household (2026)
$64,523
Chattanooga median household incomeMedian household income in Chattanooga (Census, 2024)
17 of the 78 programs here set their income limit as a share of Hamilton County’s area median income, adjusted for household size. See the published limits for Hamilton County
Free help nearbyFree help near Chattanooga
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 5 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Tennessee and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Chattanooga questions
Does Chattanooga have its own down payment program?
Yes, 5: CNE Down Payment Assistance (Regional), City of Chattanooga Down Payment Assistance Program, City Down Payment Assistance, CNE Down Payment Assistance and Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage. Each is for homes inside Chattanooga.
Can I use assistance on a condo in Chattanooga?
4 of Chattanooga’s 5 local and county programs accept condos. Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Hamilton County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Hamilton County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Chattanooga?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Chattanooga. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37401 · 37402 · 37403 · 37404 · 37405 · 37406 · 37407 · 37408 · 37409 · 37410 · 37411 · 37412 · 37414 · 37415 · 37416 · 37419 · 37421 · 37422 · 37424 · 37450
Nearby in Hamilton
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.