THDA help for Tennessee buyers · As of 10-28-2026

THDA help for Tennessee buyers

Plain-language help with Tennessee Housing Development Agency (THDA) home loans: short quizzes, the rules explained, and pictures you can read in a minute. Free, no account.

• Start here
• Who you are
• The home
• Which loan

Quizzes

One question at a time. The result says "may fit", "may not fit" or "ask a lender", never more.

Programs and rules, explained

• Great Choice Home Loan, explainedThe Great Choice Home Loan is a THDA mortgage for Tennessee home buyers, made by a THDA-approved lender. Here is what we can say today, and what is held back until it is checked.Read
• Homeownership Heroes: who countsHomeownership Heroes is a THDA program for people who work in certain public-service and community jobs.Read
• The first-time buyer rule and the 3-year testTHDA's "first-time buyer" does not always mean you have never owned. It turns on the last 3 years.Read
• Targeted areasSome places are marked by THDA as targeted. In them, buyers who have owned before may still be eligible.Read
• The homebuyer courseSome THDA options ask you to finish a homebuyer course first.Read
• What an overlay meansTwo lenders can look at the same buyer and answer differently. An overlay is often why.Read
• Compliance review and your closing dateA THDA loan has one more check than many loans, and it belongs in your timeline.Read

Rules at a glance

• THDA rules in picturesTwo pictures that explain the first-time buyer rule and THDA's checklist. Each one has a sentence, a drawing and the same facts in a list underneath.
• Slide showSix slides: "Could THDA help me buy?" Swipe, tap Next, or use the arrow keys.