THDA New Start Loan Program

THDA New Start Loan Program是面向Statewide，Tennessee购房者的第一抵押贷款。 The THDA New Start Loan Program provides below-market-rate conventional mortgages for the purchase of newly constructed single-family homes (including manufactured homes on permanent foundations) built by THDA-approved nonprofit Program Partners. It is not available through conventional lenders - only Habitat for Humanity affiliates and qualifying Tennessee nonprofits with at least a 2-year track record may participate. The Program Partner originates, funds, and delivers the loan to THDA, which then purchases and services it. Two rate tiers exist based on borrower income: Tier I (0% fixed rate) and Tier II (3% fixed rate). Maximum loan amount is $200,000 in all counties; maximum LTV is 75%. Homebuyer education includes 6 hours pre-purchase plus 4 hours post-purchase. The loan is assumable and carries no prepayment penalty. Origination fee limited to 1%. Tier I: 0% fixed interest rate for qualifying lower-income households. Tier II: 3% fixed interest rate for moderate-income households. 30-year conventional mortgage. Maximum loan amount $200,000 (all counties). Maximum LTV 75% of appraised value or sales price. New construction single-family only (including manufactured on permanent foundation). Originated by THDA-approved nonprofit Program Partners. No prepayment penalty. Assumable loan. 资金来自State - THDA。

THDA New Start Loan Program提供最高$200,000的援助。 援助档次：Tier I: 0% fixed rate (borrowers at or below Tier I income limits)和Tier II: 3% fixed rate (borrowers above Tier I but below Tier II income ceiling). Tier I limits override Tier II. Sample Tier I limits (1-2 person / 3+): Nashville-area counties $68,880 / $74,620; baseline counties $55,380 / $59,995. Sample Tier II limit (all sizes): Nashville-area $80,360; baseline $64,610. Full table in THDA New Start Program Guide, January 2026. 购房者自付部分：Closing costs may come from applicant, seller, or gift。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

THDA New Start Loan Program是第一抵押贷款，按管理该项目的机构设定的条款偿还。 该援助以First顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

THDA New Start Loan Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Not published in program guide; determined by Program Partner underwriting standards。 须参加购房者教育课程，由6 hours face-to-face pre-purchase homebuyer education + 4 hours post-purchase education required提供。 居住要求：Primary residence only。 Nonprofit-only originated first mortgage for newly constructed single-family homes; program guide updated January 2026.

THDA New Start Loan Program将家庭收入限制在$80,360。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

THDA New Start Loan Program将房价上限设为$200,000。 符合条件的房屋类型包括Single Family和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

THDA New Start Loan Program服务于在Statewide，Tennessee购房的购房者。

THDA New Start Loan Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过THDA (Program Partner origination and delivery)预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。