Home Buyers and Owners

How We Help

Limited-income Tennesseans can access the dream of homeownership with the aid of The Housing Fund’s three major lending products: Down Payment Assistance, the Community Land Trust, and Shared Equity.

Current homeowners needing assistance with preserving or restoring their property can be assisted through a property-tax-relief grant, or an affordable loan to fund repairs or renovations.

Down Payment Assistance

The Housing Fund provides Down Payment Assistance loans to help homebuyers throughout Tennessee become homeowners (to include resources for down payments, prepaids, and closing costs).

Shared Equity

The Housing Fund partners with our investors to provide a no-cost, due-on-sale loan covering up to 25% of a home’s purchase price for limited-income buyers. THF also acquires affordable properties statewide to sell for Shared Equity homeownership.

Home Improvement Loans

The Housing Fund offers affordable home-improvement loans to low- and moderate-income homeowners, including for energy-saving retrofits.

Community Land Trust

In partnership with Metro-Nashville Government, the Community Land Trust helps limited-income Nashvillians own homes and build generational wealth by creating permanently-affordable housing. THF ensures these properties will remain affordable for generations to come.

Property Tax Relief

In the wake of a significant tax increase in 2021, The Housing Resiliency Fund, powered by Amazon, was established to provide property-tax relief to low and moderate-income homeowners and landlords throughout Nashville-Davidson County.

What People Say

The Housing Fund's Senior Mortgage Advisor was knowledgeable and efficient about the entire homebuying process. My husband and I received very valuable information to set us up for continued success. We felt welcome and comfortable about reaching out if we had any further questions or needs. We will definitely utilize the valuable resources offered by The Housing Fund: Thanks for the great customer service!

The Housing Fund’s Senior Mortgage Advisor was like a breath of fresh air! So polite, welcoming, and knowledgeable about the homebuying process with a lot of valuable information provided. With all the nervousness I went through with the homebuying process, my conversation with THF’s Consumer Lending staff definitely helped put me at ease.

The Housing Fund’s Consumer Lending Team was a pleasure to work with. As a first-time homebuyer, I was provided with a lot of useful, helpful information and tips. Client service was professional and efficient, with great communication. Thanks to The Housing Fund, I am now a homeowner and I could not be happier! I cannot say thank-you enough and am very grateful for all THF has done!

As a single working mom, paying my property taxes along with other bills and the cost of maintaining my house was overwhelming. So I asked the Davidson County Trustee for help and they referred me to THF. The Housing Resiliency Fund not only served as financial support, it gave me the encouragement I needed to keep working hard so I can raise my child to be a productive citizen. Words aren’t adequate to express my gratitude: I hope The Housing Fund keeps blessing more families in the future.