Appalachian Renovation Loan Program

The Appalachian Renovation Loan Program (ARLP) will improve homeownership for the residents of the Appalachian counties. The program goal is to help provide safe and sound housing to residents in the most Distressed and At-Risk counties through loans for repairs or improvements.

Who is eligible to apply?
A homeowner of a single-family (one-to-four unit) home who is located in a targeted county that requires repairs or modifications for their home.

Eligible Property Types:
Single Family 1-4 unit residence or manufactured home (single or double-wide).

Ineligible Property Types:
Commercial properties, multifamily properties, and properties listed on a state or national historic register.

Targeted counties for this program are:
Bledsoe, Campbell, Carter, Claiborne, Clay, Cocke, Fentress, Grainger, Greene, Grundy, Hancock, Jackson, Jefferson, Johnson, Lawrence, Lewis, Macon, McMinn, Meigs, Monroe, Morgan, Overton, Pickett, Polk, Rhea, Scott, Sevier, Unicoi, Union, Van Buren, Warren and White

Who selected or designated these counties?
The Appalachian Regional Commission (ARC) designated the above counties as Distressed or At-Risk. ARC uses an index-based classification system to compare each county in the nation with national averages on three economic indicators—three-year average unemployment rates, per capita market income, and poverty rates. Based on that comparison, each Appalachian county is classified within one of five economic status designations—Distressed, At-Risk, Transitional, Competitive, or Attainment. For more information on the ARC or their Distressed Counties Program, please visit their website

ARC logo

What are the minimum and maximum loan amounts?

The minimum loan amount is $5,000. The maximum loan amount is $25,000.

UPDATED!!! - What are the terms of the loans?

  • Maximum Loan Amount of $25,000
  • 0% Interest Rate
  • No monthly payment
  • 5-Year Loan Term
  • No Prepayment Penalty
** Post Purchase Homebuyer Education will be required for all ARLP loans and must be completed prior to closing.

How do I apply for a loan?
In order to apply for an ARLP loan you must contact an approved ARLP Program Participant. The Program Participant will determine if you meet the basic loan qualifications and if your repairs or improvements fall within THDA’s approved activities.

How do I locate a Program Participant in my area?
Below are the approved agencies for the State. Place cursor over the agency’s name for county listing. If your county does not appear in the list, please email for assistance in locating a Program Participant in your area.


Counties Served

7995 Rutledge Pike, Rutledge, TN 37861
(865) 828-5927
Claiborne, Grainger, Hamblen, Hancock, Hawkins, Jefferson, Knox and Union
Eastern Eight Community Development Corporation
214 E. Watauga Avenue, Johnson City, TN 37601
(423) 232-5097
Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Washington and Unicoi
Upper Cumberland Development District
1225 South Willow Avenue, Cookeville, TN 38501
(931) 432-4111
Cannon, Clay, Cumberland, DeKalb, Fentress, Jackson, Macon, Overton,
Pickett, Putnam, Smith, Van Buren, Warren and White
Appalachia Service Project
4523 Bristol Highway, Johnson City, TN 37601
(423) 854-8800
Carter, Unicoi and Washington


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