City of Chattanooga, Department of Economic & Community Development

City of Chattanooga Down Payment Assistance Program

Up to $15,000 toward a down payment in TN.

Location: TN
Type: Forgivable assistance
Max assistance: $15,000
Income limit: $116,900
Min. credit score: 620
First-time buyer: Required
Property types: Single family, Townhouse, Condo, Manufactured

The City of Chattanooga DPA Program provides forgivable, deferred-payment loans to income-eligible first-time homebuyers purchasing a primary residence within the City of Chattanooga. Designed to bridge the affordability gap; can be combined with THDA programs for up to $21,000 total assistance.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

City of Chattanooga Down Payment Assistance Program, explained

A short, free course on City of Chattanooga 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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Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.