Open year-round: THDA Homeownership for Heroes now includes full-time K-12 teachers. Take the two-minute check

Tennessee Down Payment AssistanceHomebuying help, explained like a neighbor would

How it works Jobs that count Match me Every program Counties Reading list

Tennessee Down Payment Assistance · Quick check

Do you qualify for Homeownership for Heroes?

Grab your coffee. There are six screens, and when you finish you'll see where you land on the program's rules. After that, a loan officer who closes Homeownership for Heroes loans can call with honest numbers.

Is my job one they take?
What's the pay ceiling in my county?
Who's a lender that's done this before?

Nobody checks your credit, there's no fee, and you can stop any time. Want a person instead? Call (800) 555-0100.

Question 1 of 6

Let's start easy. What do you do?

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

Question 2 of 6

Tell me a little about the job

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

Question 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

Question 4 of 6

Which corner of the state, and who's moving in?

The county you have your eye on

How many in the household

Everybody's yearly pay added up, pre-tax

Question 5 of 6

Now the money-and-calendar part

Ballpark credit score

How soon could you move?

Is someone already showing you houses?

Question 6 of 6

Last step: how do we reach you?

Your first name

Your last name

Best email

Cell number

Checking this box and tapping "Show my results" means I'm okay with Tennessee Down Payment Assistance, plus up to three mortgage companies that handle Tennessee homebuyer programs, reaching out to me about my home purchase by phone call, text or email, using the number and address I typed in, even when those calls and texts come from automated technology or use a prerecorded voice. I don't have to say yes to this to buy anything. Message and data rates may apply. Reply STOP at any time to opt out of texts. See our Privacy Policy.

Where you stand so far

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.

Head back home Call (800) 555-0100

What you type travels encrypted, and it goes to three lenders at most.

Tennessee Down Payment Assistance

Kitchen-table explanations of Homeownership for Heroes and the other ways Tennessee folks get help buying a first home. Rather hear it out loud? Call (800) 555-0100.

How it works What they look at Income caps Counties Jobs that count Every program Reading list Home budget calculator Program matcher What's open now Payback calculator Cities Printable checklist Our sources Working for yourself Gig and app income Questions Am I eligible?Privacy

Just so we're clear: Tennessee Down Payment Assistance is a private website, not a government office. Nobody at the Tennessee Housing Development Agency (THDA) runs it, backs it or speaks through it. We aren't a lender either, so we never approve or turn down anybody. Say the word and we'll pass your info to a small handful of licensed lenders that do the state's programs.

Rates, income caps and price caps belong to whoever runs each program, and they move around. Everything here is our plain-English take on the public program paperwork as of November 2026, and none of it is a loan offer. Equal Housing Opportunity.