Forgivable loan
Affordable Housing Assistance
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation per HOME / first-mortgage rules.
Down payment assistance · Rutherford County
Buying a home in Murfreesboro, TN
1 Murfreesboro program and 11 statewide.Murfreesboro 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 Murfreesboro addresses
Murfreesboro’s own program
The Murfreesboro marketThe Murfreesboro housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Murfreesboro
- 52.8% single-familysingle-family
- 9.2% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 31.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. Murfreesboro’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Murfreesboro’s homes were built
pre-19401970s2020+
18.4%
of Murfreesboro 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.
$116,100
County area median income, 4 people (HUD)HUD area median income, Rutherford County, 4-person household (2026)
$80,108
Murfreesboro median household incomeMedian household income in Murfreesboro (Census, 2024)
14 of the 74 programs here set their income limit as a share of Rutherford County’s area median income, adjusted for household size. See the published limits for Rutherford County
Free help nearbyFree help near Murfreesboro
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Murfreesboro’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Affordable Housing Assistance 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
Murfreesboro questions
Does Murfreesboro have its own down payment program?
Yes, one: Affordable Housing Assistance, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Murfreesboro.
Can I use assistance on a condo in Murfreesboro?
Murfreesboro’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 Rutherford County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Rutherford 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 Murfreesboro?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Murfreesboro. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37127 · 37128 · 37129 · 37130 · 37131 · 37132 · 37133
Nearby in Rutherford
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.