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Home Buyer Down Payment Grants for Single Mothers in Tennessee

Home Buyer Down Payment Grants for Single Mothers in Tennessee

Last updated: September 2025

If you’re a single mom in Tennessee trying to pull together a down payment, this guide pulls everything into one place: statewide programs, city grants, nonprofit loans, federal options, timelines, and step‑by‑step instructions. You’ll find direct links, phone numbers, and printable checklists that you can use right now.


If You Only Do 3 Things — Emergency Actions to Take

  • Call a THDA‑approved lender today and ask to qualify for a Great Choice Home Loan with Great Choice Plus down payment help; use the lender finder on THDA’s site, read the current DPA terms at THDA Down Payment Assistance, and confirm county income/price limits via THDA eligibility FAQs. (thda.org)
  • If you live in West Tennessee, contact United Housing about the new $25,000 first‑generation “Rise Up” grants funded by FHLB Cincinnati; start at United Housing – Rise Up Program, check district rules at FHLB Rise Up info, and ask your bank if it’s an FHLB member. (uhinc.org)
  • Reserve grant funds when they open by working with an FHLB member bank on the Welcome Home Program (up to 20,000);readthe2025summaryat∗[FHLBWHPOpensMarch3,2025](https://www.fhlbcin.com/news/2025/january/the−welcome−home−program−opens−march−3−2025/)∗,watchforstatuson∗[WHPhomebuyerpage](https://www.fhlbcin.com/housing−programs/welcome−home−program/welcome−home−program−homebuyer−information/)∗,andbereadywithasignedcontractand20,000); read the 2025 summary at *[FHLB WHP Opens March 3, 2025](https://www.fhlbcin.com/news/2025/january/the-welcome-home-program-opens-march-3-2025/)*, watch for status on *[WHP homebuyer page](https://www.fhlbcin.com/housing-programs/welcome-home-program/welcome-home-program-homebuyer-information/)*, and be ready with a signed contract and 500 buyer contribution. (fhlbcin.com)

Quick Help Box — Numbers and Links to Keep Handy

How Down Payment Help Works in Tennessee for Single Moms

Tennessee’s housing finance agency, Tennessee Housing Development Agency (THDA), pairs fixed‑rate mortgages with second‑loan assistance called Great Choice Plus; you can choose a 6,000deferred,forgivablesecondorupto56,000 deferred, forgivable second or up to 5% of the price (max 15,000) amortized over 30 years as a second mortgage through THDA Down Payment Assistance and Great Choice Home Loan. These limits, credit score minimums (640), and purchase caps vary by county under THDA FAQs and limits. (thda.org)

Local city programs add grants or soft loans: Memphis offers up to 10% of the price (not to exceed 25,000)through∗[CityofMemphisDPA](https://www.memphistn.gov/downpaymentassistance/)∗,Chattanooga’s∗[CNELendingDPA](https://www.cnelending.homes/services)∗cangoupto25,000) through *[City of Memphis DPA](https://www.memphistn.gov/downpaymentassistance/)*, Chattanooga’s *[CNE Lending DPA](https://www.cnelending.homes/services)* can go up to 25,000 as a repayable second, and Clarksville provides up to $25,000 for first‑time buyers at City of Clarksville First‑Time Homebuyers. Knoxville limits DPA to specific developer‑built homes, and its application portal is often closed, as posted on Knoxville DPA page. (memphistn.gov)

Nonprofits and banks fill the gaps: The Housing Fund lends up to 35,000statewidefordownpaymentandclosingcosts,∗[FHLBCincinnati’sWelcomeHomeProgram](https://www.fhlbcin.com/housing−programs/welcome−home−program/welcome−home−program−homebuyer−information/)∗offeredgrantsupto35,000 statewide for down payment and closing costs, *[FHLB Cincinnati’s Welcome Home Program](https://www.fhlbcin.com/housing-programs/welcome-home-program/welcome-home-program-homebuyer-information/)* offered grants up to 20,000 in 2025 through member banks, and United Housing’s Rise Up Program launched $25,000 first‑generation grants in 21 West Tennessee counties with FHLB support. Always confirm openings and reservation dates with your lender and the DPA provider. (thehousingfund.org)

What to do if this doesn’t work: Check USDA Section 502 Direct if you’re in a rural area, ask a HUD‑approved counselor to review barriers, and revisit THDA targeted areas rules to see if first‑time buyer rules are waived in your census tract. (rd.usda.gov)

Quick Comparison — Popular Tennessee Down Payment Options

Program Type Typical Amount Where It’s Available Repayment Source
THDA Great Choice Plus (Deferred) Second loan, 0% $6,000 Statewide with THDA loan Forgiven at end of 30 years; due if you sell/refi early THDA DPA (thda.org)
THDA Great Choice Plus (Amortizing) Second loan Up to 5% (max $15,000) Statewide with THDA loan Paid monthly over 30 years at first‑mortgage rate THDA DPA (thda.org)
FHLB Welcome Home Program Grant Up to $20,000 Through FHLB member banks in TN 5‑year retention; no payments FHLB WHP info (fhlbcin.com)
United Housing “Rise Up” Grant $25,000 21 West TN counties 5‑year retention; no payments UHI Rise Up (uhinc.org)
The Housing Fund DPA Loan Up to $35,000 Statewide via FHA‑approved lenders Repayable; THF says 5% fixed promo THF DPA (thehousingfund.org)
Memphis DPA Grant/soft second Up to 10% (cap $25,000) City of Memphis Affordability/retention rules Memphis DPA (memphistn.gov)
Chattanooga Neighborhood Lending (CNE) Second loan Up to $25,000 10 SE counties Amortized up to 15 years CNE Lending DPA (cnelending.homes)
Clarksville First‑Time Homebuyers Low‑interest loan Up to $25,000 City of Clarksville Program underwriting; terms vary Clarksville FTHB (clarksvilletn.gov)

THDA Great Choice Home Loans + Great Choice Plus: What Single Moms Need First

Start with THDA because it’s statewide, predictable, and pairs with most mortgages. Review Great Choice basics, check DPA options, and verify your county’s income and price caps via THDA eligibility FAQs. The minimum credit score is 640 for all borrowers on the application, and most loans are FHA, USDA‑RD, or conventional via Freddie Mac HFA Advantage. (thda.org)

  • Eligibility: Meet credit (640+), be within county income limits, and buy within purchase price caps posted on THDA’s site; first‑time buyer rules may be waived in targeted areas. You must complete a THDA‑approved homebuyer education class before closing. (thda.org)
  • How much help: Choose a 6,000deferred,forgivablesecond,oranamortizingsecondupto56,000 deferred, forgivable second, or an amortizing second up to 5% (max 15,000) at the same rate as your first mortgage per THDA Down Payment Assistance and lender program guide for REALTORS. (thda.org)
  • Timeline: Get lender pre‑approval in 1‑3 business days; plan 10‑15 business days for DPA conditions after contract; allow extra time if your file needs homebuyer education and appraisals. THDA publishes live numbers and program stats on THDA home page—call your lender for the exact lock and closing calendar. (thda.org)
  • Steps to apply:
    • Find a THDA‑approved lender using links on Great Choice and ask about Great Choice Plus.
    • Complete homebuyer education early to avoid delays.
    • Review county caps and targeted area rules so you don’t fall out at underwriting.
    • Confirm whether you want the 6,000deferredorupto6,000 deferred or up to 15,000 amortizing option on THDA DPA.
    • Keep your file clean; one late document can push you into next month’s closing per lender pipelines on THDA partner resources. (thda.org)
  • Reality Check: DPA funds are not unlimited, and county limits can exclude higher‑priced homes; read the fine print on THDA’s eligibility, talk with a HUD counselor if your score is borderline, and consider switching to USDA RD Direct if you buy rural. (thda.org)

What to do if this doesn’t work: If the Great Choice loan isn’t a fit, ask your lender to layer an FHLB grant from Welcome Home, contact The Housing Fund about a standalone DPA loan, and ask about veteran rate discounts on THDA Homeownership for Heroes. (fhlbcin.com)

FHLB Grants You Can Reserve Through Your Lender

FHLB Cincinnati funds two programs that touch Tennessee. Work with a participating bank; you can’t apply on your own. Read the annual grant bulletins on FHLB news, check status at the WHP homebuyer page, and ask your bank’s mortgage team about the Rise Up Program if you’re first‑generation. (fhlbcin.com)

  • Welcome Home Program (WHP): Grants up to 20,000fordownpaymentandclosingcosts;2025openedMarch3andlatershowed“closed”onthe∗[WHPhomebuyerpage](https://www.fhlbcin.com/housing−programs/welcome−home−program/welcome−home−program−homebuyer−information/)∗.Youneed20,000 for down payment and closing costs; 2025 opened March 3 and later showed “closed” on the *[WHP homebuyer page](https://www.fhlbcin.com/housing-programs/welcome-home-program/welcome-home-program-homebuyer-information/)*. You need 500 of your own funds, income under 80% of MRB limits, and a signed contract when reserving funds—rules in the official 2025 notice. (fhlbcin.com)
  • Rise Up (first‑generation buyers): $25,000 grants for TN and KY, administered in Tennessee by United Housing (West TN counties) and coordinated by FHLB; must be a first‑time and first‑generation buyer with income ≤120% of HUD MTSP limits and complete HUD‑approved education. Launch timing in West TN is posted as “August 2025” on the UHI page. (uhinc.org)
  • Hundred Homes (manufactured home replacement, pilot): If you’re living in a pre‑1976 mobile home and want to replace it, ask an FHLB member about the Hundred Homes Initiative that offers $50,000 per household, including demolition and land costs. Program caps and dates are in the official release—availability changes fast. (fhlbcin.com)
  • Timeline: WHP funds are “first‑come, first‑served,” and many lenders reserve them within days of opening per FHLB program updates; Rise Up reservations run through member banks listed in the FHLB directory and go to buyers who are paperwork‑ready. (fhlbcin.com)

What to do if this doesn’t work: If WHP is closed, pivot to THDA Great Choice Plus, ask about The Housing Fund’s DPA, and check the lender‑only FHLB resources to see whether your bank offers any new seasonal incentives under FHLB MPP Affordable Rate Program. (thda.org)

Nonprofit and CDFI Help: The Housing Fund and Education Partners

The Housing Fund (THF) provides up to $35,000 statewide for down payment, prepaids, and closing costs; loans may carry a promotional 5% fixed rate, and underwriting takes 5–7 business days after a complete package reaches THF, per its DPA page and income guidelines. Pair this with THDA or conventional loans, and complete education through eHome America or a THDA‑approved class. (thehousingfund.org)

Counseling is not “busywork.” Use HUD’s counselor finder to book a one‑on‑one session, read THDA’s education requirement, and ask your lender to accept eHome completion with the required one‑hour counseling call. For issues with a lender’s conduct, you can file a complaint with Tennessee Department of Financial Institutions. (hud.gov)

What to do if this doesn’t work: If THF underwriting shows a gap, ask your lender about layering with THDA Great Choice Plus, check if a 2025/2026 FHLB Welcome Home opening is coming soon, and consider USDA 502 Direct in eligible rural areas. (thda.org)

City and County Programs You Can Use

Memphis — Up to 10% (Cap $25,000)

Memphis provides multiple tracks including citywide DPA (≤80% AMI) and incentive programs for police, fire, school employees, and targeted areas; max help is 10% of price up to $25,000 on Memphis DPA page, with office details at program overview and broader Affordable Housing info. Start with a DPA‑approved lender and submit your package through HCD’s process. (memphistn.gov)

Plan for a 30–45 day process if you’re layering grants with a first mortgage; United Housing’s homebuyer education can speed up your certificate, and UHI also runs Rise Up $25,000 grants for first‑generation buyers. If you want a Habitat path, Memphis Habitat hosts regular info sessions. (uhinc.org)

What to do if this doesn’t work: Ask your bank to reserve FHLB Welcome Home funds, apply for The Housing Fund DPA alongside your first mortgage, and revisit THDA Great Choice Plus if your lender didn’t run that option. (fhlbcin.com)

Chattanooga and Surrounding Counties — Up to $25,000

Chattanooga Neighborhood Lending (CNE) offers down payment assistance up to $25,000 across Hamilton and nine nearby counties; CNE also helps with city DPA that requires the home be inside Chattanooga limits and pass a Housing Quality Inspection. Pair your DPA with education through CNE’s homebuyer classes and ask about layering with THDA DPA or FHLB grants. (cnelending.homes)

For utilities and property tax relief as a new homeowner, the city posts relief details on Chattanooga Tax Relief and Tax Freeze/Relief deadlines; combine that with USDA contact tools if you shop in nearby rural areas. (chattanooga.gov)

What to do if this doesn’t work: Ask a HUD counselor to review your budget, see if you fit USDA 502 Direct in neighboring counties, and request a THDA lender who knows how to stack programs. (hud.gov)

Knoxville — Limited DPA, Specific Homes Only

Knoxville’s DPA is available only on homes developed by partner nonprofits and was marked “applications are closed except for listed opportunities” on the Knoxville DPA page; shop affordable units through Purchase an Affordable Home and address lead‑safety questions with the Knoxville Lead‑Safe and Healthy Homes Program. For statewide financing, run THDA Great Choice Plus with a lender. (knoxvilletn.gov)

Knoxville buyers should also check regional DPA lists on Freddie Mac’s DPA One, consider The Housing Fund as a gap loan source, and use HUD counselors to build a plan if city DPA is closed. (dpaone.freddiemac.com)

What to do if this doesn’t work: Pivot to THDA Great Choice Plus immediately, confirm whether your target neighborhood is a THDA targeted area (repeat buyers allowed), and ask your lender to try FHLB Welcome Home if it reopens. (thda.org)

Clarksville — Up to $25,000 for First‑Time Buyers

Clarksville’s HOME‑funded program provides down payment and approved closing costs up to $25,000 to first‑time buyers purchasing within city limits; see application links and contact (931‑648‑6133) at Clarksville First‑Time Homebuyers and follow HUD income and price limit rules. Ask for a free HUD education class if approved. (clarksvilletn.gov)

Stack Clarksville aid with THDA Great Choice Plus if your lender allows layering and consider FHLB Welcome Home if funds reopen. If you’re a veteran, compare rates and funding fee waivers via VA Home Loans. (thda.org)

What to do if this doesn’t work: Explore The Housing Fund statewide loan option, ask about USDA 502 Direct if you’re buying outside the city, and use HUD counseling to get mortgage‑ready. (thehousingfund.org)

Federal Paths That Reduce or Replace the Down Payment

What to do if this doesn’t work: Re‑run THDA Great Choice Plus with a different lender, check FHLB WHP status monthly, and ask USDA RD Tennessee about packager help if the Direct application is confusing. (thda.org)

Timelines, Wait Times, and What to Expect

  • THDA Great Choice Plus: Pre‑approval 1–3 business days; allow 10–15 business days for DPA clearance after your file is complete; education must be finished pre‑closing per THDA first‑time buyer page and DPA page. Ask your lender about rate locks listed on THDA’s site. (thda.org)
  • The Housing Fund DPA: Once your lender sends a complete package, THF needs 5–7 business days to underwrite per THF DPA FAQs; incomplete files slow things down. You must be under contract and lender‑approved first. (thehousingfund.org)
  • FHLB Grants: WHP usually opens once per year and can reserve out within days based on FHLB‑posted timelines; keep a signed contract and $500 ready when the portal opens on the WHP page. Rise Up launched August 2025 in West TN per UHI. (fhlbcin.com)

What to do if this doesn’t work: If your closing date is tight, ask your lender to switch to the $6,000 deferred THDA DPA (fewer moving parts), request faster education options via eHome America, and keep USDA RD Tennessee on deck if your home is rural. (thda.org)

Common Mistakes to Avoid

What to do if this doesn’t work: Ask a HUD counselor to audit your plan, add The Housing Fund DPA as a fallback, and watch FHLB Welcome Home for new funding rounds. (hud.gov)

Reality Check — Funding, Delays, and Denials

Expect delays when lots of buyers chase the same limited funds; the WHP 2025 homebuyer page shows it closed after funds were reserved, and city programs like Knoxville DPA sometimes post closure notices. Always keep a Plan B (THDA DPA or THF loan) ready via THDA DPA. (fhlbcin.com)

If you face discrimination while house‑hunting, you can still file housing complaints: after June 30, 2025, Tennessee moved civil rights enforcement to the Attorney General’s Civil Rights Enforcement Division, replacing the former Tennessee Human Rights Commission. You can also seek help through HUD Tennessee and consult legal aid links provided there. (tn.gov)

What to do if this doesn’t work: File a lender complaint with Tennessee Department of Financial Institutions, ask a HUD counselor to intervene with coaching, and request a new lender familiar with THDA and FHLB layering. (tn.gov)

Resources by Region — East, Middle, West Tennessee

Region Key Resources Notes/Contacts
East TN CNE Lending DPA, Knoxville Housing & DPA, THDA Great Choice CNE covers Hamilton and nearby counties; Knoxville DPA limited to partner‑built units; THDA statewide. (cnelending.homes)
Middle TN The Housing Fund, MDHA Community Development, Habitat Nashville THF loans statewide; Nashville’s housing funds prioritize development; Habitat cycles application windows. (thehousingfund.org)
West TN Memphis DPA, United Housing Rise Up, Memphis Habitat City DPA up to $25k; Rise Up grants for first‑gen buyers; Habitat offers 0% mortgage path. (memphistn.gov)

What to do if this doesn’t work: Use statewide tools like THDA DPA, search Freddie Mac DPA One for local programs, and ask USDA RD Tennessee about rural options in your county. (thda.org)

Diverse Communities — Tailored Notes and Where to Ask for Help

LGBTQ+ single mothers: Ask lenders to respect name and identity documents; book confidential counseling via HUD Tennessee, confirm fair‑housing protections through HUD Tennessee, and report discrimination to the Civil Rights Enforcement Division (TTY users can ask for accommodations). (hud.gov)

Single mothers with disabilities or disabled children: Request reasonable accommodations in underwriting and show SSI/SSDI award letters to THDA lenders; use USDA 502 Direct if accessible rural housing fits; and call HUD counselors for accessible class formats. (thda.org)

Veteran single mothers: Compare no‑down VA financing via VA RLC, ask for the 0.5% rate reduction on THDA Homeownership for Heroes, and seek grants through FHLB WHP if income‑eligible. (benefits.va.gov)

Immigrant/refugee single moms (including ITIN holders): Some lenders and nonprofits can help—CNE Lending lists ITIN loan options, HUD counseling offers language access, and THDA education partners can arrange interpreters; bring your immigration and income documents. (cnelending.homes)

Tribal‑specific resources: If you’re eligible for federal Indian housing programs while living in Tennessee, ask a HUD counselor for ONAP contacts, combine that with USDA RD Tennessee in rural counties, and compare THDA Great Choice Plus when buying off trust land. (hud.gov)

Rural single moms with limited access: Use USDA 502 Direct (payment assistance helps with affordability), call RD Tennessee for the nearest area office, and layer THDA DPA if using an eligible first mortgage. (rd.usda.gov)

Single fathers: The same programs apply; reserve grants through FHLB WHP, borrow a second via THDA Great Choice Plus, or use The Housing Fund DPA. (fhlbcin.com)

Language access and accessibility: Ask for large‑print applications from THDA partners, request TTY or relay services through HUD Tennessee, and tell nonprofits like The Housing Fund or United Housing if you need an interpreter. (thda.org)

How to Stop Utility Shutoff in Tennessee Today

If high bills threaten your budget before closing, apply for LIHEAP energy help through THDA’s network, ask a HUD counselor for budget triage, and consider Weatherization Assistance to cut usage after you buy. THDA’s 2025 LIHEAP plan notes online applications starting November 1, 2025 and 174–174–750 typical benefits depending on energy burden. Call your utility and ask for a payment plan while your LIHEAP is pending. (thda.org)

What to do if this doesn’t work: Dial 2‑1‑1 for local aid, check THDA energy assistance for programs, and ask your city about water or fee relief; THDA notes LIHWAP ended in 2024 but posts alternatives. (thda.org)

Quick Reference Cheat Sheet (Single‑Mother Focus)

Task Where to Click/Call Tip
Get pre‑approved and DPA THDA Great Choice, THDA DPA Ask for $6,000 deferred if you’re short on time. (thda.org)
Reserve a grant FHLB WHP status, UHI Rise Up Keep $500 and a signed contract ready. (fhlbcin.com)
Add a backup loan The Housing Fund DPA 5–7 business days to underwrite once complete. (thehousingfund.org)
Rural 0% down USDA 502 Direct, RD Tennessee Check property eligibility and income. (rd.usda.gov)
VA options 1‑877‑827‑3702, VA RLC, THDA Heroes Ask about the 0.5% rate reduction. (benefits.va.gov)

Application Checklist (Print/Screenshot and Use It)

Troubleshooting: If Your Application Gets Denied

If you believe a denial involved discrimination, contact the Civil Rights Enforcement Division, seek help through HUD Tennessee, and keep notes of dates, emails, and phone calls. (tn.gov)

County‑Specific Variations You Should Know

Income and price caps change by county and are updated annually, so always verify on THDA FAQs and use THDA’s map of targeted areas to see if the first‑time buyer rule is waived. Some cities add their own purchase price caps (e.g., Memphis DPA follows HUD HOME limits), and nonprofits like The Housing Fund post county AMI tables. (thda.org)

FAQs (Tennessee‑Specific)

  1. What’s the fastest way to get a down payment covered in Tennessee?
    Combine a THDA loan with the $6,000 deferred THDA DPA, or reserve an FHLB WHP grant if open. If you’re in West TN and first‑generation, apply for United Housing Rise Up. (thda.org)
  2. Can I use DPA with manufactured housing?
    THDA allows off‑site manufactured housing on Great Choice loans, and FHLB Hundred Homes funds replacements of pre‑1976 mobile homes. Confirm lender overlays. (thda.org)
  3. Is there help for repeat buyers?
    Yes—repeat buyers can qualify in targeted areas and may still use THDA DPA with a Great Choice loan if other criteria are met. Ask a THDA lender to check tract eligibility. (thda.org)
  4. What credit score do I need?
    THDA requires 640+ for all borrowers listed on the application per THDA program details and THDA FAQs; The Housing Fund lists 600–620 minimums depending on loan size on THF DPA page. (thda.org)
  5. How long does THDA take?
    Plan 10–15 business days after your file is complete and education is done based on typical lender pipelines and THDA requirements; keep rate lock deadlines visible on THDA site. (thda.org)
  6. Can I stack city DPA with THDA?
    Often yes, but the lender must approve; see Memphis DPA rules, add THDA DPA, and verify final ratios with your THDA lender. (memphistn.gov)
  7. What if FHLB WHP is already closed?
    That’s common; the WHP page showed closed status later in 2025. Keep checking, and in the meantime, run THDA DPA or THF DPA. (fhlbcin.com)
  8. I’m a veteran—should I still look at THDA?
    Yes. Pair VA Home Loans with the half‑point rate reduction on THDA Homeownership for Heroes and look for FHLB WHP funds too. (benefits.va.gov)
  9. Where do I report discrimination in housing or lending?
    Contact the Civil Rights Enforcement Division, also file with HUD Tennessee, and talk to a HUD counselor about next steps. (tn.gov)
  10. Where can I see all programs in one place?
    Your lender can use Freddie Mac’s DPA One for Tennessee, and you can browse THDA DPA plus local menus like Memphis DPA. (dpaone.freddiemac.com)

Local Organizations, Charities, Churches, and Support Groups

What to do if this doesn’t work: Call 2‑1‑1 to reach United Way, book a HUD counselor for a plan, and ask your lender to check Freddie Mac DPA One for any church‑ or nonprofit‑run down payment sources near you. (hud.gov)

Tables You Can Use With Your Lender

THDA Great Choice Plus — Key Rules Snapshot

Item Where to verify Notes
Credit score Great Choice page 640 minimum per THDA. (thda.org)
DPA options THDA DPA 6,000deferredorupto56,000 deferred or up to 5% (max 15,000) amortizing. (thda.org)
Income/price limits THDA FAQ Vary by county, check before making offers. (thda.org)

FHLB Grants — Essentials

Program Max Grant Buyer Cash Retention Where to read
WHP $20,000 $500 5 years WHP info (fhlbcin.com)
Rise Up $25,000 $500 5 years UHI Rise Up (uhinc.org)

City/County Programs — Snapshot

Area Program Help Where to confirm
Memphis City DPA Up to 10% (max $25k) Memphis DPA (memphistn.gov)
Chattanooga + counties CNE Lending Up to $25k CNE DPA (cnelending.homes)
Clarksville FTHB DPA Up to $25k Clarksville program (clarksvilletn.gov)

Nonprofit/Statewide Loans

Provider Max Amount Notes Where to read
The Housing Fund $35,000 Statewide; 5–7 day underwriting THF DPA (thehousingfund.org)
THDA (deferred) $6,000 Forgiven at term end THDA DPA (thda.org)
THDA (amortizing) Up to $15,000 30‑year second THDA DPA (thda.org)

Utility/Bill Stabilizers During Homebuying

Program What it does Where to apply
LIHEAP One‑time energy help THDA LIHEAP (thda.org)
Weatherization Cuts energy use THDA WAP (thda.org)
Property tax relief (local) Lowers tax costs Chattanooga relief (example) (chattanooga.gov)

What to Do in Specific Situations

Spanish Summary — Resumen en Español

Esta sección es un resumen breve de los programas de pago inicial en Tennessee, traducido con herramientas de IA. Verifique todos los detalles con las fuentes oficiales antes de aplicar.

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified September 2025, next review April January 2026.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

This guide is for general information. It is not legal, lending, or tax advice. Always confirm program availability, final eligibility, and current dollar amounts directly with the administering agency or lender. Funding changes, waitlists, and underwriting rules can shift without notice. Use THDA for state policies, your lender for file‑specific decisions, and HUD counselors for individualized planning. (thda.org)

Note: Call to confirm current availability before applying; for example, THDA’s DPA amounts (6,000deferredorupto56,000 deferred or up to 5%/max 15,000) are posted on THDA’s official page (updated 2025), Memphis lists up to 10%/cap 25,000on∗[CityofMemphisDPA](https://www.memphistn.gov/downpaymentassistance/)∗(accessedSeptember2025),andFHLBshowsWHPgrantsupto25,000 on *[City of Memphis DPA](https://www.memphistn.gov/downpaymentassistance/)* (accessed September 2025), and FHLB shows WHP grants up to 20,000 on the 2025 program notice. Expect amounts to vary by county and funding availability. (thda.org)

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