CNE Down Payment Assistance (Regional)
Second mortgage · New construction · Income limits
Down payment assistance · Hamilton County
Buying a home in East Ridge, TN
3 county programs and 11 statewide.East Ridge has no program of its own, 3 across Hamilton County, 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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What’s local to East Ridge
No program of East Ridge’s own yet
No program run for East Ridge alone is listed. A home in East Ridge can use Hamilton County’s programs below, plus the Tennessee statewide and federal ones.
The closest city that runs its own program is Chattanooga, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HamiltonAnywhere in Hamilton County
3 county programs3 county programs a East Ridge homebuyer can use
2 more programs are for homes in Chattanooga. See them 2 programs in neighboring cities — for homes inside those cities, not East Ridge
- Chattanooga — City of Chattanooga Down Payment Assistance Program
- Chattanooga — City Down Payment Assistance
The East Ridge marketThe East Ridge housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in East Ridge
- 68.2% single-familysingle-family
- 4.5% townhousetownhouse
- 9.8% 2–4 units2–4 units
- 16.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
Condos count. 2 of East Ridge’s 3 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 East Ridge’s homes were built
pre-19401970s2020+
73.5%
of East Ridge 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)
$62,247
East Ridge median household incomeMedian household income in East Ridge (Census, 2024)
15 of the 76 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 East Ridge
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 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
East Ridge questions
Does East Ridge have its own down payment program?
No program run for East Ridge alone is listed. A home in East Ridge can use the 3 programs that cover Hamilton County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in East Ridge?
2 of East Ridge’s 3 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. 15 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 East Ridge?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of East Ridge. Create a free account and take the 90-second match to see the ones near you.
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.