Homeownership for Heroes · Davidson County

First-time homebuyer help in Davidson County, Tennessee

Davidson County, about 746,000 people, shares THDA's highest income limit tier. That gives more Metro employees room to qualify.

County seatNashville

Population745,904

Income limit, 3+$162,540

Price limit$500,000

Buying a first home in Davidson County

Metro Nashville Public Schools is the single public district for the county, so every MNPS teacher in a full-time K-12 position fits. Private school teachers in Nashville count as well.

Metro Nashville Police, the Davidson County Sheriff's Office and Nashville Fire are the main public safety employers. Buyers here shop Nashville proper plus Goodlettsville, Belle Meade, Forest Hills and Oak Hill.

The constraint to watch is price, not income. THDA's $500,000 acquisition cost limit applies in Davidson County like everywhere else, so set your search filter there from day one.

Davidson County income and price limits

Income, 1–2 people	Income, 3+ people	Purchase price limit
$139,320	$162,540	$500,000

Davidson County's limits, $139,320 for 1-2 people and $162,540 for 3+, are the highest on THDA's chart. See the statewide limits or estimate what you can afford.

Other down payment help in Davidson County

These local programs can sometimes be used on top of, or instead of, the state program. Rules differ, so a loan officer checks which ones combine.

The Housing Fund Community Land Trust

Open

Nashville-Davidson County

Who: First-time, mortgage-ready buyers at or below 80% of Nashville AMI
Help: Reduced price - land held in trust and leased; buyer owns the house
Income limit: 80% of Nashville-Davidson AMI
First-time buyers only: Yes
Other rules: Pre-approval from a THF lending partner; homebuyer education and financial counseling; primary residence; $600 processing fee at closing; resale restrictions

Running prequalified list served first-come, first-served.

Verified November 2026 · how we verify

Full guide to this program →See if I qualify →

The Housing Fund Shared Equity Program

Nashville area

Who: Buyers up to 120% AMI
Income limit: 120% AMI

Mentioned on THF's DPA page; terms not read this session.

Verified November 2026 · how we verify

See if I qualify →

See every program in Tennessee.

Homebuyer education near Davidson County

Most down payment programs require a homebuyer education class before closing. These HUD-approved agencies near Davidson County offer homebuyer classes or pre-purchase counseling:

Agency	City	Distance	Services	Languages	Formats
Aaa Residential Resources, Inc.	Nashville	2 mi	homebuyer education class, pre-purchase counseling	English	Phone
Woodbine Community Organization	Nashville	4 mi	homebuyer education class, pre-purchase counseling	English	Face to Face, Phone, Internet
You Can Make It Home Ownership Center, Inc.	Smyrna	19 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.

Not sure which class your program accepts? A loan officer who offers Tennessee programs tells you which class counts, and can start your pre-approval at the same time. Check my eligibility

Who can use the program in Davidson County

Eligible local employers include:

Metro Nashville Public Schools
Metro Nashville Police Department
Davidson County Sheriff's Office
Nashville Fire Department

Metro employees who live in a neighboring county buy under that county's limit, not Davidson's. See every eligible role.

Davidson County questions

What's the Nashville income limit?

$139,320 for 1-2 people and $162,540 for 3 or more.

Can I buy a $550,000 home in Nashville with Heroes?

No. THDA's limit is $500,000 in every county.

Do MNPS teachers qualify?

Yes, full-time K-12 teachers at Metro Nashville Public Schools qualify, as of May 2026.

Other areas: Shelby County, Knox County, Hamilton County, Rutherford County, Williamson County, Montgomery County, Sumner County, Wilson County. All counties.