The Will Johnson Team
The Will Johnson Team
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Free first-time buyer guide

Tennessee First-Time Buyer Programs — The Honest Guide

THDA Great Choice, FHA, conventional 3% down, and physician mortgage products explained honestly. Eligibility, real costs, and which one actually fits.

  • THDA Great Choice Loan — eligibility, real catches, when it works
  • FHA 3.5% down — when it's right and when conventional beats it
  • Conventional 3% down (HomeReady, Home Possible) — comparison
  • Physician mortgage products for medical buyers
  • VA loan path for military buyers
  • Real-dollar comparison of all four programs on the same purchase
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Tennessee First-Time Buyer Programs

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What's inside the guide

Tennessee-specific programs

  • THDA Great Choice — purchase price + income limits
  • THDA down payment assistance (the second-mortgage catch)
  • Tennessee-specific homebuyer tax credit
  • Municipality-level programs (limited availability)

Federal loan programs

  • FHA 3.5% down — credit + DTI flexibility
  • Conventional 3% down — HomeReady + Home Possible
  • VA 0% down — military service eligibility
  • USDA 0% down — rural property eligibility

Specialty programs

  • Physician mortgage products
  • Police, fire, teacher programs
  • Energy-efficient mortgage rebates

Built by The Will Johnson Team — Nashville-area real estate. We publish honest playbooks because integrity is the moat. The $499 broker fee is disclosed in every agreement. Every agreement has a 24-hour kickout. We earn the relationship weekly.

About the team