Deferred second loan
City of Knoxville Down-Payment Assistance Program
New construction · Income limits
Down payment assistance · Knox County
Buying a home in Knoxville, TN
4 Knoxville programs and 11 statewide.Knoxville has 4 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 Knoxville addresses
Knoxville’s own programs
Forgivable loan
Downpayment Assistance Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation.
Down-payment assistance
KCDC Homeownership Program (Section 8 Housing Choice Voucher Homeownership)
First-time homebuyers · New construction · Income limits · Single Family · Condo · Manufactured
First mortgage
Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage
First-time homebuyers · New construction · Income limits · Single Family
The Knoxville marketThe Knoxville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Knoxville
- 52.3% single-familysingle-family
- 4.9% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 33.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Knoxville’s homes were built
pre-19401970s2020+
58.9%
of Knoxville 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.
$103,700
County area median income, 4 people (HUD)HUD area median income, Knox County, 4-person household (2026)
$54,039
Knoxville median household incomeMedian household income in Knoxville (Census, 2024)
15 of the 77 programs here set their income limit as a share of Knox County’s area median income, adjusted for household size. See the published limits for Knox County
Free help nearbyFree help near Knoxville
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 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
Knoxville questions
Does Knoxville have its own down payment program?
Yes, 4: City of Knoxville Down-Payment Assistance Program, Downpayment Assistance Program, KCDC Homeownership Program (Section 8 Housing Choice Voucher Homeownership) and Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage. Each is for homes inside Knoxville.
Can I use assistance on a condo in Knoxville?
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 Knox County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Knox 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 Knoxville?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Knoxville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37901 · 37902 · 37909 · 37912 · 37914 · 37915 · 37916 · 37917 · 37918 · 37919 · 37920 · 37921 · 37922 · 37923 · 37924 · 37927 · 37928 · 37929 · 37930 · 37931 · 37932 · 37933 · 37938 · 37939 · 37940 · 37950 · 37990 · 37995 · 37996 · 37997 · 37998
Nearby in Knox
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.