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Putnam County · Homeownership for Heroes

Buying your first home in Putnam County, Tennessee

Putnam County, about 87,000 residents, has Cookeville as its seat.

SeatCookeville
People86,612
Income cap, 3+$119,387
Price cap$500,000

Getting to know Putnam County as a buyer

Putnam County Schools serves Cookeville, Algood, Monterey and Baxter. Full-time K-12 teachers in the district qualify.

Cookeville Police, the Putnam County Sheriff's Office and Cookeville Fire are the main eligible employers.

USDA is one of the three Heroes loan types and can finance up to 100% of the price. Ask your lender whether a home in Monterey or Baxter is in a USDA-eligible area.

The caps in Putnam County

Cap for 1–2 peopleCap for 3 or moreHighest price allowed
$103,814$119,387$500,000

Putnam County's limit is $103,814 for 1-2 people and $119,387 for 3+. Compare with every county's caps, or run your own budget.

More help that's specific to Putnam County

We couldn't find a current program just for Putnam County. The statewide ones still work here, so take a look at the full Tennessee list.

Homebuyer class options near Putnam County

None of HUD's listed counseling agencies sit within 50 miles of Putnam County. That's less of a problem than it sounds: most programs will take a HUD-approved class online, and your loan officer can tell you which one counts.

Which class does your program want? Ask a loan officer who does Tennessee programs. They'll name the class that counts and can get your pre-approval going at the same time. See if I qualify

Who in Putnam County can use it

A few of the local employers whose people qualify:

  • Putnam County Schools
  • Cookeville Police Department
  • Putnam County Sheriff's Office
  • Cookeville Fire Department

Cookeville firefighters and Putnam deputies qualify under the first responder rules. All the jobs that count

Questions folks ask about Putnam County

What's the Cookeville income limit?

$103,814 (1-2) and $119,387 (3+).

Can I use a USDA loan?

Yes, Heroes works with USDA-RD loans if the home and you meet USDA rules.

Do Algood homes count?

Yes, all of Putnam County uses the same limit.

Nearby and elsewhere: Shelby County · Davidson County · Knox County · Hamilton County · Rutherford County · Williamson County · Montgomery County · Sumner County · Every county