Open year-round: THDA Homeownership for Heroes now includes full-time K-12 teachers.Check your eligibility →

Tennessee Down Payment AssistancePrograms, limits & free eligibility check

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Tennessee Down Payment Assistance · Eligibility check

Do you qualify for Homeownership for Heroes?

Six quick questions. We'll show how you line up against the program rules, and a loan officer who offers Homeownership for Heroes will follow up with your real numbers.

Find out if your job qualifies
See your county's income limit
Get matched with a loan officer who offers the program

No credit pull. No cost. No obligation. Prefer to talk? Call (800) 555-0100.

Step 1 of 6

What is your job?

TeacherFull-time K-12, public or private

Law enforcementPolice, deputy, state officer

FirefighterEmployed in Tennessee

EMT / ParamedicLicensed or certified

DispatcherPublic safety 911

Military / VeteranActive, Guard, veteran, spouse

PrincipalK-12 school

Other jobWe'll check Great Choice

Step 2 of 6

Where do you work?

Full-time at a Tennessee K-12 schoolPublic or private

Currently employed in Tennessee public safetyPolice, fire, EMS or dispatch

Active duty, Guard or veteranAny branch

Part-time, retired or working outside Tennessee

Self-employed, 1099 or gig workGreat Choice may fit; veterans pick the option above

Step 3 of 6

Have you owned the home you lived in during the last 3 years?

Yes, but I'm a veteran or in the military

Yes

Step 4 of 6

Where are you buying, and who's in your household?

County where you plan to buy

People in the household

Total household income (yearly)

Step 5 of 6

A little about your plans

Estimated credit score

When do you want to buy?

Are you working with a real estate agent?

Step 6 of 6

Where should we send your results?

First name

Last name

Mobile phone

By checking this box and clicking "See my results," I agree that Tennessee Down Payment Assistance and up to three mortgage lenders that offer Tennessee homebuyer programs may contact me about my home purchase at the phone number and email above, including by calls and text messages sent with automated technology or prerecorded voice. Consent is not a condition of any purchase. Message and data rates may apply; reply STOP to opt out. I agree to the Privacy Policy.

Your preliminary results

Thanks

A loan officer who offers THDA Homeownership for Heroes will contact you to confirm your job, income and county limit, and price each Heroes Plus option. If you've owned recently, ask whether your area is a THDA targeted county or tract.

Back to the program Call (800) 555-0100

Your information is sent over an encrypted connection and shared with no more than three lenders.

Tennessee Down Payment Assistance

An independent guide to Homeownership for Heroes and other first-time homebuyer programs in Tennessee, connecting eligible teachers and first responders with lenders who offer them.

Questions? Call (800) 555-0100

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Tennessee Down Payment Assistance is not a government agency and is not affiliated with, endorsed by, or acting on behalf of the Tennessee Housing Development Agency (THDA). We are not a lender and do not make loans or credit decisions. We refer consumers to licensed mortgage lenders that participate in state programs.

Program terms, rates, income limits and purchase price limits are set by the program administrator and change over time. Information on this site is summarized from public program materials as of November 2026 and is not a commitment to lend. Equal Housing Opportunity.