Shawn Wilmoth · United Real Estate Solutions · East Tennessee REALTORS® Participant
THDA help for Tennessee buyers · As of 10-28-2026
Could THDA help me buy?
Six slides, one idea each. Swipe on a phone, tap Next and Back, or press the left and right arrow keys.
Slide 1 of 6
640
A credit score of 640 or higher is THDA's minimum.
A lender may ask for more than THDA does. Not sure of your score? Slide 6 shows who to ask.
As of 10-28-2026.
Slide 2 of 6
County
Limits depend on your county and the size of your household.
The exact figures are held until they are checked at thda.org. THDA's own limits page has them.
As of 10-28-2026.
Slide 3 of 6
3 years
First-time can mean no home owned and lived in for 3 years.
Repeat buyers may still fit in a targeted county or area, or as qualified military and spouse.
As of 10-28-2026.
Slide 4 of 6
Help
Great Choice Plus adds down payment help.
THDA lists three kinds, from forgivable amounts to a loan you pay back. The down payment options page shows them side by side.
Slide 5 of 6
1 class
A THDA-approved homebuyer course is part of the help.
Great Choice Plus and Homeownership Heroes need it. THDA lists the courses that count.
As of 10-28-2026.
Slide 6 of 6
Ask
Only a THDA-approved lender can answer that for you.
Take the 2-minute quiz, then find a lender on THDA's site.
What this page holds back
Any figure marked "As of" was checked at thda.org on that day. The price limit, the county income limits and other amounts are not printed here until a person has checked them. They change, and they depend on your county and household.
