Homeownership for Heroes · Sumner County
First-time homebuyer help in Sumner County, Tennessee
Sumner County has about 216,000 people and Gallatin as its seat. It's in THDA's top income tier.
Buying a first home in Sumner County
Sumner County Schools runs public schools across Hendersonville, Gallatin, Portland, White House and Westmoreland. A full-time K-12 teacher anywhere in the system fits.
Hendersonville Police, Gallatin Police, the Sumner County Sheriff's Office and Sumner County EMS employ most of the county's eligible first responders.
White House sits partly in Robertson County. Both counties use the same $139,320 / $162,540 limit, but your lender still needs the right county on file.
Sumner County income and price limits
| Income, 1–2 people | Income, 3+ people | Purchase price limit |
|---|---|---|
| $139,320 | $162,540 | $500,000 |
Sumner County's limit is $139,320 for 1-2 people and $162,540 for 3+. See the statewide limits or estimate what you can afford.
Other down payment help in Sumner County
We did not find a current Sumner County-specific program. Statewide options still apply: see every program in Tennessee.
Homebuyer education near Sumner County
Most down payment programs require a homebuyer education class before closing. These HUD-approved agencies near Sumner County offer homebuyer classes or pre-purchase counseling:
| Agency | City | Distance | Services | Languages | Formats |
|---|---|---|---|---|---|
| Aaa Residential Resources, Inc. | Nashville | 26 mi | homebuyer education class, pre-purchase counseling | English | Phone |
| Woodbine Community Organization | Nashville | 27 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| You Can Make It Home Ownership Center, Inc. | Smyrna | 32 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 Sumner County
Eligible local employers include:
- Sumner County Schools
- Hendersonville Police Department
- Gallatin Police Department
- Sumner County Sheriff's Office
- Sumner County EMS
Sumner County EMS medics qualify under the EMT and paramedic rule. See every eligible role.
Sumner County questions
What's the Hendersonville income limit?
$139,320 (1-2) and $162,540 (3+), the same across Sumner County.
Does Portland have a different limit?
No, Portland homes in Sumner County use the same limit.
Do I need a 640 credit score?
Yes, every borrower needs at least 640.
Other areas: Shelby County, Davidson County, Knox County, Hamilton County, Rutherford County, Williamson County, Montgomery County, Wilson County. All counties.
