Forgivable loan
Clarksville First-Time Homebuyers Down Payment Assistance Program
First-time homebuyers · Income limits
Down payment assistance · Montgomery County
Buying a home in Clarksville, TN
2 Clarksville programs and 11 statewide.Clarksville has 2 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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Only for Clarksville addresses
Clarksville’s own programs
Forgivable loan
First-Time Homebuyer Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation per HOME / first-mortgage rules.
The Clarksville marketThe Clarksville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Clarksville
- 67.3% single-familysingle-family
- 5.4% townhousetownhouse
- 10.8% 2–4 units2–4 units
- 14.2% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clarksville’s homes were built
pre-19401970s2020+
25.8%
of Clarksville 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.
$93,800
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$69,303
Clarksville median household incomeMedian household income in Clarksville (Census, 2024)
15 of the 75 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Clarksville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Clarksville questions
Does Clarksville have its own down payment program?
Yes, 2: Clarksville First-Time Homebuyers Down Payment Assistance Program and First-Time Homebuyer Program. Each is for homes inside Clarksville.
Can I use assistance on a condo in Clarksville?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Montgomery County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Clarksville?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37040 · 37041 · 37042 · 37043 · 37044
Nearby in Montgomery
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.