Housing Resources

Tennessee Housing Development Agency (THDA)

As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to meaningfully expand safe, sound, affordable housing opportunities for low and moderate income Tennesseans as the state’s leading resource.

THDA Programs

THDA offers a range of programs for homebuyers, homeowners and renters.

THDA Emergency Repair Program

This programs purpose is to correct, repair, or replace an essential system and/or critical structural problem that pose an immediate danger to life, safety, or health of low-income homeowners who are elderly (60+) or disabled. This is not a comprehensive home renovation program; the aim is to stabilize the homeowner's residence by making emergency repairs to insure homeowners can continue to reside safely in their homes.

Click here to view the requirements.

Applications are now CLOSED for the THDA Emergency Repair Program

We have reached the maximum number of applications at this time. Please see the list of alternative emergency home repair resources.

  • Aging Commission of the Mid-South:

    • Supportive services for older adults

    • (901) 222-4111

  • Habitat for Humanity of Greater Memphis:

    • Home modifications for seniors

    • (901) 322-3500

  • Home901 Memphis Housing Resource Hub:

    • General housing support

    • (901) 432-4663

  • Reaching Back Inc:

    • Housing repair & legal support

    • (901) 506-2740

  • Shelby County Dept. of Housing:

    • Comprehensive home rehab services

    • (901) 222-7600

  • Shelby County Housing Rehab Program:

    • Lead remediation

    • (901) 222-7600

  • TVA Energy Right – Home Uplift:

    • Electrical repair and energy upgrades

    • (855) 237-2673

  • 901HELP Repair Program - United Housing Inc:

    • Loan-based repair program

    • (901) 272-1122

  • LISC Memphis - United Housing Inc:

    • Community development and housing resources

    • (901) 272-1122

Great Choice Home Loans

Great Choice is a 30-year, fixed interest rate home loan available through private banks and lenders. These loans focus on first-time homebuyers, U.S. military veterans, and homebuyers in targeted areas. Down payment assistance may also be available.

Tennessee’s Free Housing Locator

This is a THDA sponsored, free online resource for locating and advertising available rental property and other resources for renters.

THDA Research and Planning

For statewide and county-based information about housing and housing affordability, check out THDA’s Research and Planning publications to gain insight into the state’s housing market and THDA’s impact on affordable housing. Click here to view the reports.

THDA Consolidated Plan & Annual Action Plan":

On behalf of the State of Tennessee, the Tennessee Housing Development Agency (THDA) has completed a draft of the State’s 2025-2029 Consolidated Plan and 2025-2026 Annual Action Plan for housing and community development in Tennessee. The Plan includes the State’s application for funds, strategic plan, and goals for five U.S. Department of Housing and Urban Development (HUD) grant programs. Click here to view the notice.