Deferred second loan
City of Cleveland CDBG Down Payment Assistance Program
New construction · Income limits · Single Family · New Construction
Down payment assistance · Bradley County
Buying a home in Cleveland, TN
1 Cleveland program and 11 statewide.Cleveland has 1 program 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 Cleveland addresses
Cleveland’s own program
The Cleveland marketThe Cleveland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cleveland
- 55.9% single-familysingle-family
- 4.8% townhousetownhouse
- 17.8% 2–4 units2–4 units
- 18.1% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
About condos. Cleveland’s one local program does not list condos as eligible. City of Cleveland CDBG Down Payment Assistance Program lists single family and new construction.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cleveland’s homes were built
pre-19401970s2020+
46.3%
of Cleveland 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.
$91,700
County area median income, 4 people (HUD)HUD area median income, Bradley County, 4-person household (2026)
$58,559
Cleveland median household incomeMedian household income in Cleveland (Census, 2024)
14 of the 74 programs here set their income limit as a share of Bradley County’s area median income, adjusted for household size. See the published limits for Bradley County
Free help nearbyFree help near Cleveland
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Cleveland questions
Does Cleveland have its own down payment program?
Yes, one: City of Cleveland CDBG Down Payment Assistance Program, a deferred second loan (new construction, income limits). It is for homes inside Cleveland.
Can I use assistance on a condo in Cleveland?
Cleveland’s one local program does not list condos as eligible. City of Cleveland CDBG Down Payment Assistance Program lists single family and new construction. 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 Bradley County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Bradley 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 Cleveland?
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
37311 · 37312 · 37320 · 37323 · 37364
Nearby in Bradley
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.