THDA quiz · As of 10-28-2026
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Your result
Ask a lender
Which help applies starts with your ownership history. Check THDA's pages, then ask a THDA-approved lender. THDA is not the only help in Tennessee; a separate site lists others.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- THDA lists 43 Tennessee counties as targeted, and designated areas in additional counties. As of 10-28-2026.
Down Payment Resource, a separate site that lists other Tennessee programs
May fit
A repeat buyer who is qualified military or a military spouse may still be eligible, and the down payment options below may apply. A THDA-approved lender confirms.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
Ask a lender
A repeat buyer may still be eligible in a targeted county or area. See what THDA says about your county below, check the map for the address, then ask a THDA-approved lender.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- THDA lists 43 Tennessee counties as targeted, and designated areas in additional counties. As of 10-28-2026.
May fit
You may count as a first-time buyer, and work like yours may open Homeownership Heroes. Down payment help may apply too; a THDA-approved lender confirms.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- Great Choice Plus and Homeownership Heroes need a THDA-approved homebuyer course. As of 10-28-2026.
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
Down Payment Resource, a separate site that lists other Tennessee programs
May fit
You may count as a first-time buyer, and the down payment options below may apply. A separate site lists other Tennessee programs too. A THDA-approved lender confirms.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
Down Payment Resource, a separate site that lists other Tennessee programs