The Housing Fund, Home Improvement Loan

The Housing Fund (CDFI, Madison TN)

Available Home Repair

About This Program

The Housing Fund, Home Improvement Loan is available to homeowners in Nashville, TN.

The Housing Fund, Inc. is a Nashville-based Community Development Financial Institution (CDFI) offering affordable home improvement loans to low-to-moderate income homeowners in Tennessee. The organization has assisted over 3,200 individuals with more than $89 million in financing for home purchase, rehabilitation, and construction since 1996. Loan terms are more flexible than conventional lenders, with lower rates and accessible underwriting for LMI borrowers.

Loan, not a grant. CDFI terms are more accessible than conventional lenders. Also administers Barnes Housing Trust Fund repairs as a nonprofit sponsor.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Below-market home improvement loans for LMI homeowners
  • CDFI, more flexible underwriting than conventional lenders
  • Also administers Barnes Housing Trust Fund repairs
  • Income at or below 80% AMI preferred
  • Call 615-780-7030 or visit thehousingfund.org

How to Apply

Get free help applying Visit Official Program Page Track this program

615-780-7030

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Nashville early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • 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: Rolling

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 The Housing Fund, Home Improvement Loan provide in Nashville, TN?

Up to $25,000.

Who qualifies for The Housing Fund, Home Improvement Loan in Nashville?

The Housing Fund, Home Improvement Loan is open to homeowners in Nashville, TN.

How do I apply for The Housing Fund, Home Improvement Loan in Nashville, TN?

Apply directly with The Housing Fund (CDFI, Madison TN) using the official program link on this page or call 615-780-7030. 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 Nashville, TN contractors

Find More Programs in Nashville, TN

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

See All Programs