Hope Credit Union Affordable Home Program (TN)
First mortgage · Income limits
Down payment assistance · Shelby County
Buying a home in Millington, TN
7 county programs and 11 statewide.Millington has no program of its own, 7 across Shelby 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 Millington
No program of Millington’s own yet
No program run for Millington alone is listed. A home in Millington can use Shelby County’s programs below, plus the Tennessee statewide and federal ones.
The closest city that runs its own program is Memphis, about 16 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ShelbyAnywhere in Shelby County
7 county programs7 county programs a Millington homebuyer can use
- Hope Credit Union Affordable Home Program (TN)Up to $425,000
- United Housing Cherry MortgageUp to $150,000
- Rise Up Program (Memphis & West Tennessee)Up to $25,000
- Shelby County Down Payment Assistance ProgramUp to $6,000
- RISE Foundation Save Up (Matched-Savings IDA for Homeownership)Up to $2,000
- Down Payment Assistance ProgramForgivable
- Habitat for Humanity of Greater Memphis Affordable Homeownership MortgageFirst mortgage
8 more programs are for homes in Memphis. See them 8 programs in neighboring cities — for homes inside those cities, not Millington
- Memphis — Memphis Homebuyer Incentive Program Shelby County Schools (MSCS)
- Memphis — Memphis Homebuyer Program Incentive Citizens (HIPC)
- Memphis — Memphis Homebuyer Program Incentive Firemen (HIPF)
- Memphis — Memphis Homebuyer Program Incentive Police (HIPP)
- Memphis — Targeted Area DPA (TADPA)
- Memphis — Memphis Housing Authority (MHA)
- Memphis — Citywide DPA (CWDPA)
- Memphis — Section 8 Homeownership Program (SHAPE)
The Millington marketThe Millington housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Millington
- 70.7% single-familysingle-family
- 4.2% townhousetownhouse
- 3.2% 2–4 units2–4 units
- 13.9% 5+ unitscondo & apartment buildings (5+ units)
- 8.1% mobile & othermobile home & other
Condos count. 3 of Millington’s 7 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Millington’s homes were built
pre-19401970s2020+
63.9%
of Millington 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.
$92,700
County area median income, 4 people (HUD)HUD area median income, Shelby County, 4-person household (2026)
$49,979
Millington median household incomeMedian household income in Millington (Census, 2024)
17 of the 80 programs here set their income limit as a share of Shelby County’s area median income, adjusted for household size. See the published limits for Shelby County
Free help nearbyFree help near Millington
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 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
Millington questions
Does Millington have its own down payment program?
No program run for Millington alone is listed. A home in Millington can use the 7 programs that cover Shelby County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Millington?
3 of Millington’s 7 local and county programs accept 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 Shelby County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Shelby 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 Millington?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Millington. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
38053 · 38054 · 38055 · 38083
Nearby in Shelby
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.