Tennessee HELP (Homeownership for the Emerald and Low-income Purchaser)

Tennessee Housing Development Agency (THDA)

Available Down Payment

About This Program

Tennessee HELP (Homeownership for the Emerald and Low-income Purchaser) is available in Lakeland, TN.

Down payment and closing cost assistance for first-time homebuyers in Tennessee. Provides 0% interest, forgivable second mortgage that is forgiven after 15 years of occupancy. Must be combined with THDA Great Choice loan.

Forgivable second mortgage; amount varies based on home price and county limits

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Lakeland, TN, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $15,000 for down payment and closing costs
  • For first-time homebuyers in Tennessee
  • Forgivable after 15 years of occupancy
  • Must use THDA-approved lender
  • Income limits vary by county

How to Apply

Get free help applying Visit Official Program Page Track this program

(615) 815-2200

A grant-savvy contractor in Lakeland, TN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing while funds available

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Tennessee HELP (Homeownership for the Emerald and Low-income Purchaser) provide in Lakeland, TN?

Up to $15,000 down payment assistance.

How do I apply for Tennessee HELP (Homeownership for the Emerald and Low-income Purchaser) in Lakeland, TN?

Apply directly with Tennessee Housing Development Agency (THDA) using the official program link on this page or call (615) 815-2200. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Lakeland, TN contractors

Find More Programs in Lakeland, TN

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs