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Clarksville First-Time Homebuyers Down Payment Assistance Program

City of Clarksville, Neighborhood & Community Services (CNCS) · Clarksville, Tennessee

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Assistance

$25,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 10 years

What is Clarksville First-Time Homebuyers Down Payment Assistance Program?

Clarksville First-Time Homebuyers Down Payment Assistance Program is a forgivable loan for homebuyers in Clarksville, Tennessee, administered by City of Clarksville, Neighborhood & Community Services (CNCS).

  • DPA program for low-income first-time homebuyers to help income-eligible households with down payment and closing-cost assistance to purchase their first home within Clarksville city limits, funded by HUD HOME funds.
  • Up to $25,000 in down payment and approved closing-cost assistance, subject to funding availability and a need-based underwriting assessment.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from Federal - HUD HOME Investment Partnerships Program.

How much assistance does it provide?

Clarksville First-Time Homebuyers Down Payment Assistance Program offers up to $25,000 in assistance.

  • Amounts are the program's published maximums, not an offer — City of Clarksville, Neighborhood & Community Services (CNCS) determines any individual award.

Do you have to pay it back?

Clarksville First-Time Homebuyers Down Payment Assistance Program is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Closing-cost assistance forgiven after 10 years if owner remains; DPA is a 10-year low-interest loan.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Clarksville First-Time Homebuyers Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through HUD-approved housing counseling agency; CNCS covers course costs for approved applicants.
  • Residency: Home must be within Clarksville city limits.
  • Down payment assistance is a 10-year low-interest loan; closing-cost assistance is a zero-interest loan forgivable after 10 years if the owner remains in the property. Not all buyers qualify for the maximum; amount based on CNCS need assessment under HOME policy. Income and sales-price limit tables posted as image charts on the page (HUD-determined) and could not be transcribed numerically from the primary source.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Clarksville First-Time Homebuyers Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • No more than 80% of area median income (HUD-determined; chart posted as image on city page).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Clarksville First-Time Homebuyers Down Payment Assistance Program caps the purchase price as follows: HUD-determined maximum sales-price limits apply (posted as image chart on city page).

Where does it apply?

Clarksville First-Time Homebuyers Down Payment Assistance Program is a federal program, so it is not limited to Tennessee.

How do you apply?

Applications for Clarksville First-Time Homebuyers Down Payment Assistance Program go through City of Clarksville, Neighborhood & Community Services (CNCS), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved housing counseling agency; CNCS covers course costs for approved applicants..

  2. Contact City of Clarksville, Neighborhood & Community Services (CNCS) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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Clarksville First-Time Homebuyers Down Payment Assistance Program, explained

A short, free course on Clarksville First-Time Homebuyers Down Payment Assistance Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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