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

Payback calculator

Leaving early? Here's what the help could cost you

Here's the catch nobody mentions at the open house: a lot of Tennessee down payment help has strings. Pick how your help works, and this shows about how much would come due at different points down the road.

$
Roughly what comes due, by year

Ballpark only. Each program decides its own forgiveness rules, what counts as selling or refinancing, and how it measures the gain. A participating lender confirms the real terms before you sign anything.

Get my actual numbers