Housing Programs

Tennessee Housing Development Agency (THDA)

As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee.  THDA’s mission is to ensure that every Tennessean has access to safe, sound, affordable housing opportunities.  More information about THDA programs can be found online at http://www.thda.org


THDA Homeownership Programs

THDA’s Great Choice Loan Program offers 30-year, fixed rate mortgages and downpayment assistance to eligible first-time, repeat and military homebuyers.  Borrowers must meet certain requirements and conditions, including credit history, income limits, and cost of home. http://thda.org/homebuyers/homebuyers


Additional Homeownership Links:

-Homeownership for the Brave

-Tennessee Housing Search

-If you have any questions or need additional information, please contact the Single Family Help Desk at (615) 815-2100 or sfask@thda.org.


THDA Community Programs

The Community Programs Division administers a variety of housing programs supported through federal, state, and THDA funding.  The Division awards grants to local governments and non-profit agencies to meet the housing needs of low income Tennesseans. http://thda.org/business-partners/partners

For more information, please contact Don Watt, Director of Community Programs at (615) 815-2032.


THDA Rental Assistance Housing Choice Voucher (HCV) Program

The Housing Choice Voucher (HCV) or “Voucher” program is a federal rental assistance program funded through HUD where very low-income families, the elderly, and the disabled receive assistance to afford decent, safe, and sanitary housing in the private market.  As a state housing agency, THDA administers the Housing Choice Voucher program in 72 Tennessee counties among 4 regional offices. http://thda.org/renters/renters

For more information, please contact Jada Lattimore, Director of Housing Choice Voucher Programs at 615-815-2163.


THDA Low Income Housing Tax Credit (LIHTC) Program

The Low-Income Housing Tax Credit is a credit against federal income tax liability each year for 10 years for owners and investors in low-income rental housing.  The amount of tax credits is based on reasonable costs of development, as determined by THDA, and the number of qualified low-income units. http://thda.org/business-partners/lihtc

For more information, please contact Donna Duarte, Director Multifamily Development at (615) 815-2210.


Housing Training Materials

Meeting the housing demand of Tennesseans today is critical, given our continuously growing region.  In its efforts to further the goals of affordable housing in Tennessee, GNRC uses the ‘ABC’s of Housing Assistance in Tennessee’ (click here for .pdf version), an informative and educational presentation, to highlight programs offered by the Tennessee Housing Development Agency (THDA), the U.S. Department of Agriculture (USDA)—Rural Development, and the Tennessee Department of Economic & Community Development (ECD)—Community Development Block Grant program.  GNRC works closely with each of these agencies and has experience preparing and administering grants offered by these and other agencies.


Housing Grants and Programs

GNRC is a proud partner with a variety of agencies that strive to meet the housing needs of the region.  Programs include:

Emergency Repair for the Elderly

This grant program provides “Emergency” home repairs to very low income seniors who are 60 years of age or older.  Our main work areas include HVAC installation or repair, roofs, and other projects if deemed as emergency’s. The maximum grant is $10,000 with a required 1/3 match. This 1/3 match may be provided by the homeowner themselves, another person or source such as a non-profit.  Eligible applicants must be at least 60 years old, be at or below 60% of the area media income, and be able to prove they own the property.  Contact Greer Broehmel at 615-862-8848 for more information.


In addition, NPT has compiled a report documenting the difficulties faced by the aging population, entitled “Aging Matters”.  This program looks at many facets of what public services are offered to our seniors, including housing, transportation, and healthcare.  GNRC’s Aging program deals with many of these issues, and works with our elderly to improve their quality of life by helping them through the various programs that are available to assist them.  This documentary is 58 minutes, and hosted by CMA Award Winner Kathy Mattea.  It can be found at the link below:


Aging Matters


HOME Program  

These grants are federal funds awarded through a THDA State-wide competitive process to cities and counties.  The program goal is to bring substandard housing into compliance with HUD housing quality standards as well as local building codes.  Examples of eligible work may include plumbing, electrical, foundations, roof replacement or repairs, handicap accessibility, windows and door replacements, and bringing home up to code. These forgivable grants are awarded as grant to low income homeowners who can prove ownership of the home. Homeowners must live inside the home to be eligible. Call 615-255-1010 for more information.

Weatherization Assistance Program

This program is administered and funded at the federal level by the U.S. Department of Energy (DOE). The program is designed to assist low-income households in reducing their fuel costs while contributing to national energy conservation through increased energy efficiency and consumer education.  Households that include young children, elderly or disabled members are given priority for service.  Weatherization measures provided will reduce heat loss and energy costs by improving the thermal efficiency of dwelling units occupied by low-income households.  Examples of common weatherization measures that may be provided are weather stripping, caulking, and adding of insulation to attics, walls and floors. For more information on this program go to http://www1.eere.energy.gov/wip/.

Additional Community Programs

Community Investment Tax credit Program

Emergency Solutions Grant Program

Homelessness Prevention and Rapid Re-Housing Program

Neighborhood stabilization Program

For more information on these Community Programs go to http://www.thda.org/index.aspx?NID=31

Housing Trust Fund

The HTF is a pool of funds that would be allocated to local entities to meet the housing needs for very low-income those earning 50% or less of the area median income, elderly, and special needs citizens. For additional information go to https://thda.org/business-partners/htf.

Programs included in the HTF include:

Competitive HTF Grants which support the chronically homeless, persons with mental retardation or mental illness, citizens with developmental disabilities, single mothers recovering from substance addiction or physical abuse, veterans with multiple needs and ex-offenders re-entering society. For more information go to: http://www.thda.org/index.aspx?NID=237


USDA/ Rural Development Repair and Rehabilitation Grants are available a dwelling owner/occupant who is 62 years of age or older.  Funds may only be used to repair, improve, or modernize their dwellings or to remove health and safety hazards, or to complete repairs to make the dwelling accessible for household members with disabilities.   The amount of the grant is based on the applicant’s ability to repay and must be used in conjunction with the Repair and Rehabilitation Loan.   The lifetime maximum grant amount is $7,500. For more information on USDA and Rural Development Home Repair and Rehabilitation grants go to https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants .


UCP Home Access Wheelchair Ramp Program’s mission is “To ensure that no individual with a disability in Tennessee goes without a wheelchair ramp on their home because they cannot afford it.” The program serves Tennesseans with a disability that has resulted in mobility impairment and the need for a wheelchair ramp.  Applicants for THDA funded ramps must also meet the THDA household income criteria. For more information about the Home  Access/Wheelchair Ramp Program, or to request to have an application mailed or faxed to you call 615-242-4091 and ask for John Pickett, Program Director; or go to http://www.ucp.org/resources/housing/home-modification.