THDA Program

Secure Your Future With the THDA Program

Owning a home provides a stable foundation for your family to grow and thrive. Many residents find that the Tennessee Housing Development Agency (THDA) program offers the perfect path toward homeownership, and The Williams Group is here to help. This state initiative lowers barriers to entry by offering competitive interest rates and down payment assistance through the TN Down Payment Assistance program. You deserve a space that truly belongs to you. Take advantage of these local resources to transform your dream into a reality.
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THDA Can Help You Reach Your Homeownership Goals

We want you to thrive in a home you love. The THDA offers fixed-rate loans to keep your monthly payments steady. You can also get help with your down payment to lower upfront costs. Special benefits are also available to honor first responders' service. With free educational resources and an experienced team, we simplify the entire homebuying process. Connect with us to make your homeownership dreams come true.
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Navigating Your Path to Homeownership With THDA Programs

Saving for a down payment is a major hurdle for many homebuyers. THDA offers two Great Choice Plus loan options to help cover these costs and closing fees. Find the best path for your budget, including:

Deferred Option

This option gives you $6,000 as a second mortgage with zero interest. You don’t make monthly payments, and the loan is forgiven after thirty years if you don’t sell or refinance your home.

Amortizing Option

Assistance provides up to 5% of the home price, capped at $15,000. You make monthly payments over 30 years, with the interest rate the same as your primary home loan.

Eligibility

Applicants must meet specific income and credit score requirements to qualify for this program. You must also have a primary Great Choice Home Loan. These funds help you pay for closing costs.

Simplified Financing for Your Perfect Home

Taking the first step today gets you closer to owning your new home tomorrow. Our team is ready to answer your questions and guide you through the application. We’ll review your finances to find the best loan for you, from various THDA loans to the TN Down Payment Assistance program. Don’t let uncertainty stop you from achieving your homeownership dreams.

Every big success starts with a small choice, and The Williams Group is here to help. We handle the paperwork, so you can focus on finding the perfect home. Contact us today to schedule a consultation and learn about your options. Let us help you build a better future for your family.

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