Tennessee offers various down payment assistance (DPA) programs statewide, by county, and city to help homebuyers cover down payment and closing costs. Programs include forgivable loans, grants, and low-interest second mortgages with eligibility often based on income limits tied to area median income (AMI). Popular loan options for first-time buyers include Conventional 97, FHA, VA, and USDA loans. Assistance ranges from $1,000 to $35,000 depending on the program and location.