Sumner County · Homeownership for Heroes
Buying your first home in Sumner County, Tennessee
Sumner County has about 216,000 people and Gallatin as its seat. It's in THDA's top income tier.
Getting to know Sumner County as a buyer
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.
The caps in Sumner County
| Cap for 1–2 people | Cap for 3 or more | Highest price allowed |
|---|---|---|
| $139,320 | $162,540 | $500,000 |
Sumner County's limit is $139,320 for 1-2 people and $162,540 for 3+. Compare with every county's caps, or run your own budget.
More help that's specific to Sumner County
We couldn't find a current program just for Sumner County. The statewide ones still work here, so take a look at the full Tennessee list.
Homebuyer class options near Sumner County
Plan on a homebuyer class; almost every assistance program makes you take one before the closing date. Here is who near Sumner County is HUD-approved to teach it or sit down with you one on one:
| Agency | Office in | Miles away | Help offered | Spoken in | Ways to attend |
|---|---|---|---|---|---|
| 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 |
Pulled from HUD's housing counseling agency list. Programs don't all accept the same classes.
Who in Sumner County can use it
A few of the local employers whose people qualify:
- 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. All the jobs that count
Questions folks ask about Sumner County
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.
Nearby and elsewhere: Shelby County · Davidson County · Knox County · Hamilton County · Rutherford County · Williamson County · Montgomery County · Wilson County · Every county
