City of Chattanooga Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in the City of Chattanooga, checked against the official page.

City of Chattanooga down payment assistance at a glance (2026)

Program	Amount	Type	First-time buyer	Income limit	Price limit	Status
Down Payment Assistance Program	Up to $15,000	Deferred loan	Required (no home owned in the past 3 years)	At or below 120% of AMI	$400,000	Offered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Down Payment Assistance Program

Deferred loan

City of Chattanooga

Amount: Up to $15,000
First-time buyer: Required (no home owned in the past 3 years)
Status: Offered
Income limit: At or below 120% of AMI
Purchase price limit: $400,000

0% interest deferred loan with no monthly payments. Buyer contributes at least $1,000.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in Tennessee

Nashville — 1 program(s)

Statewide help in Tennessee

You may also qualify for 3 statewide Tennessee programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Great Choice Plus (Deferred/Forgivable) (Tennessee Housing Development Agency (THDA)) — $6,000 or $10,000
Great Choice Plus (Amortizing) (Tennessee Housing Development Agency (THDA)) — Up to 5% of the sales price, maximum $15,000
Great Choice Plus (New Construction) (Tennessee Housing Development Agency (THDA)) — Up to $25,000

Check eligibility for Tennessee How to apply

Compare these programs · AMI / income limits · All Tennessee programs

HUD-approved homebuyer counselors in Chattanooga, Tennessee (2)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

CCCS OF ROCHESTER-CHATTANOOGA · Chattanooga · 423-490-5620 · Spanish
CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INC. · Chattanooga · 423-756-6201

Common questions

Does City of Chattanooga offer down payment assistance?

Yes. We list 1 local program checked against official pages: Down Payment Assistance Program from City of Chattanooga (Up to $15,000).

Do I have to be a first-time homebuyer for City of Chattanooga assistance?

The official pages state: Down Payment Assistance Program: Required (no home owned in the past 3 years).

What are the income limits for City of Chattanooga down payment assistance?

Published on the official pages: Down Payment Assistance Program: At or below 120% of AMI. Confirm current limits with the administrator.

What are the purchase price limits for City of Chattanooga assistance?

Published on the official pages: Down Payment Assistance Program: $400,000.

How does Down Payment Assistance Program work?