Homeownership for Heroes · Bradley County
First-time homebuyer help in Bradley County, Tennessee
Bradley County, about 115,000 residents, is anchored by Cleveland, with Charleston to the north.
Buying a first home in Bradley County
Bradley County Schools and Cleveland City Schools serve the county. A full-time K-12 teacher in either fits.
Cleveland Police, the Bradley County Sheriff's Office and Cleveland Fire are the main eligible employers.
If you work in Chattanooga but buy in Cleveland, Bradley's limit applies to the home, not Hamilton's. The two are close: $103,074 / $118,536 here versus $101,854 / $117,133 there.
Bradley County income and price limits
| Income, 1–2 people | Income, 3+ people | Purchase price limit |
|---|---|---|
| $103,074 | $118,536 | $500,000 |
Bradley County's limit is $103,074 for 1-2 people and $118,536 for 3+. See the statewide limits or estimate what you can afford.
Other down payment help in Bradley County
We did not find a current Bradley County-specific program. Statewide options still apply: see every program in Tennessee.
Homebuyer education near Bradley County
Most down payment programs require a homebuyer education class before closing. These HUD-approved agencies near Bradley County offer homebuyer classes or pre-purchase counseling:
| Agency | City | Distance | Services | Languages | Formats |
|---|---|---|---|---|---|
| Chattanooga Neighborhood Enterprise, Inc. | Chattanooga | 27 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
Source: HUD housing counseling agency list. Not every class is accepted by every program.
Who can use the program in Bradley County
Eligible local employers include:
- Bradley County Schools
- Cleveland City Schools
- Cleveland Police Department
- Bradley County Sheriff's Office
- Cleveland Fire Department
Cleveland firefighters and Bradley deputies qualify with current Tennessee employment. See every eligible role.
Bradley County questions
What's the Cleveland income limit?
$103,074 (1-2) and $118,536 (3+).
Do Cleveland City Schools teachers qualify?
Yes, full-time K-12 teachers qualify.
Is there a homebuyer class requirement?
Yes, every borrower completes THDA- or HUD-approved education.
Other areas: Shelby County, Davidson County, Knox County, Hamilton County, Rutherford County, Williamson County, Montgomery County, Sumner County. All counties.
