THDA

THDA publishes a minimum credit score

Plain-language news from the Tennessee Housing Development Agency. Educational only.

Gazette desk · published Nov 1, 2026 · figures as of 6:00 AM EST

Two items from THDA's own pages this edition. Each one was checked against THDA's page text, and a quiz below shows where you stand.

Start with the score: THDA sets a floor, and a lender looks at the rest of the file.

THDA's minimum credit score is 640.As of 10-28-2026

THDA's limits change with the county

There is no one statewide figure: the same home can sit differently in two counties, so check the county first.

Income and purchase price limits depend on the county and the size of the household.As of 10-28-2026