THDA Programs

THDA provides nonprofit organizations with tools to teach homebuyer education classes. THDA maintains on its website a list of certified homebuyer education trainers who can help consumers as they consider purchasing a home. Learn more about our Homebuyer Education Initiative.

The Homeownership for Heroes program offers a 1/2-percent reduction on THDA’s Great Choice first mortgage loan for active and retired members of the military, National Guard, EMTs, paramedics, firefighters, and state and local law enforcement officers. Learn more about Homeownership for Heroes.

THDA trains organizations across Tennessee to provide free and confidential counseling to homeowners facing foreclosure. THDA maintains a list of certified foreclosure prevention counselors on its website. Learn more about our Foreclosure Prevention program.

The Home Modifications and Ramps Program provides funding to construct ramps and make other home modifications to assist persons with disabilities gain better access to their homes. This program is administered statewide through United Cerebral Palsy of Middle Tennessee.

The Low-Income Home Energy Assistance Program (LIHEAP) is a federal program designed to assist households below 60% of the federal poverty standards of low income, particularly those who pay a high proportion of household income for home energy bills, meet their immediate home energy needs. The funds are awarded to a network of 19 community service agencies serving all 95 counties in Tennessee. Learn more about the Low-Income Home Energy Assistance Program.

The Weatherization Assistance Program is a federal program designed to assist households below 200% of the federal poverty standards improve the energy efficiency of their homes. The funds are awarded to a network of community service agencies throughout the State. Learn more about the Weatherization Assistance Program.

Tenant Based Housing Choice Voucher.

The Section 8 Rental Assistance program is a tenant-based rental assistance (voucher) program funded by HUD. THDA is one of 28 public housing agencies (PHA) in Tennessee that administer the Program. THDA administers its Program in 72 of 95 Tennessee counties. The purpose of the Program is to enable eligible low-income households to obtain decent, safe and sanitary housing by the PHA paying a portion of rental costs (including utilities) directly to a landlord in the private rental market. Participating households may select a unit of their choice. Learn more about the Tenant Based Housing Choice Voucher program.

The Weatherization Assistance Program is a federal program designed to assist households below 200% of the federal poverty standards improve the energy efficiency of their homes. The funds are awarded to a network of community service agencies throughout the State. Learn more about the Weatherization Assistance Program.

A Low-Income Housing Tax Credit (LIHTC) is a credit against federal income tax liability each year for 10 years for owners of and investors in affordable rental housing. Learn more about Low Income Housing Tax Credits.

The Bond Authority program, like the LIHTC program, supports rehabilitation, acquisition and rehabilitation, and new construction of rental units. Municipalities request an allocation of the state’s bond authority and sell bonds in support of housing development. Learn more about the Bond Authority program.

The Section 8 Contract Administration and Compliance Division manages the Housing Assistance Payment contracts between HUD and Section 8 property owners across Tennessee. THDA processes monthly payments to owners, oversees annual contract renewals and rent adjustments with property agents, reviews and approves special claims, contract opt-outs and terminations, handles issue calls from residents, and conducts Management and Occupancy Reviews. Learn more about Contract Administration.

The Homeownership for Heroes program offers a 1/2-percent reduction on THDA’s Great Choice first mortgage loan for active and retired members of the military. Learn more about Homeownership for Heroes.

THDA provides nonprofit organizations with tools to teach homebuyer education classes. THDA maintains on its website a list of certified homebuyer education trainers who can help consumers as they consider purchasing a home. Learn more about our Homebuyer Education Initiative.

The New Start Loan Program is designed to promote the construction of new homes for low and very low-income Tennesseans. The New Start Loan Program is delivered through non-profit organizations with established programs for the construction of single-family housing for low and very low-income households. Learn more about our New Start Loan Program.

The Creating Homes Initiative – 2 Program provides funding to expand permanent recovery housing options for individuals recovering from an Opioid Use Disorder (OUD). Learn more about the Creating Homes Initiative – 2.

The Emergency Repair Program allocates funds to correct, repair, or replace an essential system and/or critical structural problem that poses an immediate danger to life, safety, or health of low-income homeowners who are elderly (60+) or disabled.  The program is administered statewide by specific regional development districts or human resource agencies. Learn more about the Emergency Repair Program.

THDA administers the federally-funded Emergency Solutions Grants (ESG) Program to help improve the quality of emergency shelters for the homeless; to help meet the costs of operating and maintaining emergency shelters; to provide essential services so that homeless individuals have access to the assistance they need to improve their situation; to provide street outreach services to the homeless; and to provide emergency intervention assistance and rapid re-housing services to prevent homelessness and to obtain permanent housing. Learn more about the Emergency Solutions Grants Program.

Under the HOME Program, THDA funds local housing programs designed to promote the production, preservation, and rehabilitation of affordable housing for individuals and families of low- and very low-income. These funds are awarded to cities, counties and non-profit organizations through an annual competitive grant process. Learn more about the HOME Program.

The Home Modifications and Ramps Program provides funding to construct ramps and make other home modifications to assist persons with disabilities gain better access to their homes. This program is administered statewide through United Cerebral Palsy of Middle Tennessee. Learn more about the Housing Modification and Ramp Program.

The National Housing Trust Fund provides grants for the rehabilitation and new construction of rental housing for extremely low income households. Learn more about the National Housing Trust Fund program.

Rebuild & Recover provides funds to assist eligible communities recover from a natural disaster. Grants are made to the city or county. Learn more about Rebuild & Recover.