Second mortgage
HomeWorks Community Lending Down Payment Assistance (Eastern Eight CDC)
New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Washington County
Buying a home in Johnson City, TN
1 Johnson City program and 11 statewide.Johnson City 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 Johnson City addresses
Johnson City’s own program
The Johnson City marketThe Johnson City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Johnson City
- 53.5% single-familysingle-family
- 4.8% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 25.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.8% mobile & othermobile home & other
Condos count. Johnson City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Johnson City’s homes were built
pre-19401970s2020+
46.3%
of Johnson City 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.
$76,800
County area median income, 4 people (HUD)HUD area median income, Washington County, 4-person household (2026)
$57,254
Johnson City median household incomeMedian household income in Johnson City (Census, 2024)
14 of the 74 programs here set their income limit as a share of Washington County’s area median income, adjusted for household size. See the published limits for Washington County
Free help nearbyFree help near Johnson City
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Johnson City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.HomeWorks Community Lending Down Payment Assistance (Eastern Eight CDC) asks 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
Johnson City questions
Does Johnson City have its own down payment program?
Yes, one: HomeWorks Community Lending Down Payment Assistance (Eastern Eight CDC), a second mortgage (new construction, income limits). It is for homes inside Johnson City.
Can I use assistance on a condo in Johnson City?
Johnson City’s one local program accepts condos. 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 Washington County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Washington 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 Johnson City?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Johnson City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37601 · 37602 · 37604 · 37605 · 37614 · 37615
Nearby in Washington
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.