First‑Time Buyer Grants & Assistance in Tennessee (2025 Guide)

I agree to be contacted by Crosstar Realty and Property Management via call, email, and text. To opt-out, you can reply 'stop' at any time or click the unsubscribe link in the emails. Message and data rates may apply.TL;DR: Most Nashville first‑time buyers can combine THDA’s Great Choice + down‑payment assistance with a local program (like The Housing Fund) or USDA in eligible areas to lower cash‑to‑close and keep payments affordable. We’ll help you stack what you qualify for.

Why this matters right now

Buying your first home in Nashville isn’t just about rates—it’s about the payment and cash to close. Tennessee offers several programs that can bridge the gap so you can buy sooner and with less stress.

What counts as a “grant” (and what doesn’t)

Many “grants” today are actually down‑payment assistance (DPA) loans with friendly terms:

• Some are 0% interest, no monthly payment, and are repaid later (when you sell, refinance, or pay off the first mortgage).
• Others are small low‑rate second loans you do make payments on—but they give you more money up front.

Bottom line: focus on the net benefit to your monthly payment and cash‑to‑close, not just the word “grant.”