First Time Home Buyer Assistance By Town And City Throughout Tennessee

Discover Assistance Opportunities Available Near You

First time home buyers in Tennessee have many options available to them for help in purchasing their first residence. In addition to the statewide down payment assistance grants offered by the Tennessee Housing Development Agency (THDA), there are local housing agencies that provide financial assistance to 1st time property buyers as well.

Contact Info For Local Programs

Follow the various resources below to determine 1st time homebuyer program amounts and requirements in your city and/or county:


City of Chattanooga
Ms. Sandra H. Gober, Manager
Department of Community Development
100 E. 11th St.
City Hall Annex, Suite 104
Chattanooga, TN 37402
Phone: (423) 757-5133
Fax: (423) 425-6447

City of Clarksville
Keith D. Lampkin, Housing and Community Development Director
Housing and Community Development
One Public Square
Clarksville, TN 37040
Phone: (931) 648-6133
Fax: (931) 503-3092

City of Jackson
Mr. David L. Ralston, Director
Jackson Housing Authority
125 Preston St.
Jackson, TN 38301
Phone: (731) 422-1671
Fax: (731) 425-4617

City of Kingsport
Community Development Manager
P.O. Box 44
Kingsport, TN 37662
Phone: (423) 378-2933
Fax: (423) 392-2530

City of Knoxville
Becky Wade, Director
Department of Community Development
P.O. Box 1631
Knoxville, TN 37901
Phone: (865) 215-2120
Fax: (865) 215-2962

City of Memphis
Ms. Debbie Singleton, Interim Administrator
Department of Compliance and Reporting
701 N. Main St.
Memphis, TN 38107
Phone: (901) 576-7304
Fax: (901) 576-7427

City of Nashville/County of Davidson
Metropolitan Development and Housing Agency
Joe Cain, Director of Development
P.O. Box 846
Nashville, TN 37202-0846
Phone: (615) 615-252-8508
Fax: (615) 252-8559


County of Knox
Grant Rosenberg, Director
Department of Community Development
400 Main Street, Suite 345
Knoxville, TN 37902
Phone: (865) 215-3980
Fax: (865) 215-3997

County of Shelby
Mr. James Vazquez, Administrator
Department of Housing
1075 Mullins Station Rd.
Memphis, TN 38134-7725
Phone: (901) 379-7102
Fax: (901) 379-7129


Consortia Detail

City of Bristol, TN
HOME Consortium: Jan Detrick, Director
Community Development Department of Planning, Economic, and Community Development
P.O. Box 1189
Bristol, TN 37621-1189
Phone: (423) 989-5521
Fax: (423) 989-5717


Chattanooga Neighborhood Enterprise, Inc. 1301 Market Street
Chattanooga, TN 37420
(423) 756-6201
Education and counseling, home financing and home improvement programs


Clarksville Housing and Community Development City of Clarksville
One Public Square
Clarksville, TN 37040
(931) 648-6133
Down payment and closing cost assistance is available to qualified first time homebuyers

Dyersburg: Dyer County

West Tennessee Legal Services 208 S. Church Street
Dyersburg, TN 38024
(731) 285-8181
Housing Counseling, legal guidance

Huntingdon: Carroll County

West Tennessee Legal Services 113 W. Paris Street
Huntingdon, TN 38344
(800) 372-8346
Housing Counseling, legal guidance

Jackson: Madison County

West Tennessee Legal Services
210 W. Main St
Jackson, TN 38101
(731) 986-8975
Housing Counseling, legal guidance
Affordable Housing CDC
206 East Main St.
Jackson, TN 38301
(731) 422-1366
Down Payment Assistance Program New Home Construction


Johnson City: Washington

City of Johnson City Office of Community Development
Keystone Community Center
603 Bert Street
Johnson City, Tennessee 37601
Phone: (423) 434-6290
Email: Steve Baldwin, Director
Coordinates federal, state and local resources to implement housing rehabilitation, homeownership, homeless shelters and funds other housing development activities. In addition the department also funds fair housing activities, park expansion and development in low and moderate income neighborhoods, economic development activities and provides assistance with Community facility improvements for the handicapped as well as community support services for the at risk population.
Eastern Eight Community Development Corporation, Inc.
221 E. Unaka Avenue
Suite 500
Johnson City, TN 36701
(866) 750-5097 or (423) 232-5097
Fax: (423) 926-0034
Homebuyer education and financial counseling services for low to moderate income residents of Upper East Tennessee

Knoxville: Knox, Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Loudon, Monroe, Morgan, Roane, Scott, Sevier, Union

Disability Resource Center
900 E. Hill Avenue, Suite 120
Knoxville, Tennessee 37915
Phone:? (865) 637-3666
Fax: (865) 637-5616
TTY: (865) 637-6796
The DRC is a Center for Independent Living (CIL). We are a community-based non-residential program of services designed to assist people with disabilities to gain independence and to assist the community in eliminating barriers to independence.
Helen Ross McNabb Services
201 W. Springdale Avenue
Knoxville, TN 37917
Phone: (865) 637-9711 or (800) 255-9711
Independent living housing services. Provide safe, affordable housing that meets the needs of individuals with mental illness is in great demand. In response to this need, the Center has developed and maintains a variety of housing options.
Knox County Community Development
400 Main Street, Suite 339
Knoxville, TN 37902
Phone: (865) 215-3980
Fax: (865) 215-3997
Knox County’s Community Development Block Grant and Home Affordable Housing programs fund projects and conduct activities that improve the quality of life for lower income County residents. It is the County’s intent to be the first stop for individuals and/or organizations in need of housing assistance.
Knoxville Area Urban League
1514 E. Fifth Avenue
Knoxville, Tennessee 37917
Phone: (865) 524-5511
Fax: (865) 525-5154
Presents free educational seminars to assist first-time homebuyers.? This four-module seminar details selecting, purchasing, financing, and maintaining a home, especially for low to moderate income families.? In addition, all participants receive a copy of their credit report card along with budget counseling.
Knoxville Leadership Foundation
KLF Office Site
901 East Summit Hill Drive, Suite 300
Knoxville, Tennessee 37915
Phone (865) 524-2774
Fax (865) 525-4213
Executive Director Chris Martin
NHI provides the buyer high quality, affordable new homes; up to $23,000 subsidies (based on income); financial/home ownership training and counseling; assistance finding a mortgage; fairly priced homes, well below suburb price.
East Tennessee Human Resources Agency (ETHRA)
9111 Cross Park Drive, Suite D-100
Knoxville, TN 37923
Phone (865) 691-2551
HOUSE program funds in the form of a low interest loan of 3%. Contact: HOUSE Program or HOME Program
City of Knoxville
Community Development Housing Programs
Becky Wade, Deputy Director
400 Main Street, Suite 532
Knoxville, TN 37902
Phone: (865) 215-2865
Fax: (865) 215-2962

Fair Housing Program: (865) 215-2120
Housing Programs: (865) 215-2120
Fax: (865) 215-2962

Programs to improve housing opportunities for lower-income homeowners, tenants and first-time homebuyers as well as assistance to organizations serving Knoxville’s homeless population.

A Fair Housing Program to promote equal opportunity in housing and to investigate complaints of housing discrimination in Knoxville.

Memphis: Shelby

City of Memphis Div. of Housing & Community Development
701 N. Main Street
Memphis, TN 38107
(901) 576-7300
Downpayment assistance and housing programs
Financial Counselors of America 3294 Poplar Ave., Suite 304
Memphis, TN 38111
(877) 450-4404
Individual & group financial counseling
Frayser Community Development Corporation 3684 North Watkins
Memphis, TN 38127
(901) 354-9401
Homebuyer education, credit counseling, foreclosure prevention, money management
Shelby County Department of Housing 1075 Mullins Station Rd.
Memphis, TN 38134
(901) 379-7100
Housing rehab, Down Payment Assistance, Homestead Program, Lead Paint Testing and Hazard Reduction – See all of our services.
The Works 1471 Genesis Circle
Memphis, TN 38106
(901) 946-9675
Homebuying education courses, credit counseling
United Housing, Inc. 51 North Cooper Street
Memphis, TN 38104
(901) 272-1122
Serving Memphis and West Tennessee – Affordable Housing, Housing Counseling, Credit Counseling, Build and rehab houses for low-moderate income buyers, homebuying education courses, credit counseling, loan products, available housing listings

Murfreesboro: Rutherford County

City of Murfreesboro Community
Development Office
Community Development Department
211 Bridge Ave.
Murfreesboro, TN 37129
Phone: (615) 890-4660
Affordable housing assistance program, housing rehab, fair housing contact, housing information

Nashville – Davidson County

The Housing Fund 305 11th Avenue South
Nashville, TN 37203
Phone: (615) 780-7000
Fax: (615) 780-7001
Community Development Financial Institution and a FHA approved lender.  We also provide homeownership counseling and down payment assistance loans and grants as well as financing for the development of affordable housing.
Woodbine Homebuyer’s Clubs 222 Oriel St.
Nashville, TN 37210
(615) 833-9580
Low-to-moderate self-help classes on homebuying, including budgeting, credit, financing, foreclosure avoidance, available properties for sale.
Metro Development and Housing Agency – Community Development Office 701 South 6th St.
Nashville, TN 252-8500
(615) 252-8500
CD Loan, Def. Payment Loan, CD Historical Loan, Emergency Repair Loan, Weatherization assistance, etc.
Tennessee Manufactured Housing Association 604 4th Avenue North
Nashville, TN 37219
(615) 256-4733
Referral to companies which build, sell and finance manufactured housing.
Nashville Metro Action Commission 1624 5th Ave, North
Nashville, TN 37208
(615) 862-8860
Home repairs, HVAC repair, porches, electrical, plumbing, etc; cooling/heating and emergency heating assistance; homeless services; education programs, food; based on income.

Selmer: McNairy County

West Tennessee Legal Services 141 N. Third Street
Selmer, TN 38375
(731) 645-7961
Housing Counseling, legal guidance

Program amounts, funding and availability is constantly changing. Keep up to date by visiting first time home buyers in Tennessee.

Tennessee first time home buyers