100% Down Payment Covered.
It’s a Grant — Not a Loan.
No repayment. No second lien. No income limits.
Available on eligible FHA and Conventional loans in Knoxville, Maryville & across Tennessee.
(865) 420-4639
Most Lenders Are Still Talking About THDA. This Isn’t That.
THDA has its place — but it comes with income limits, strict program rules, and for many buyers it simply doesn’t work.
This is a true down payment grant. The money is applied at closing. No deferred loan. No second lien on your home. No repayment triggered when you sell or refinance. It’s yours.
If you’ve been told you don’t have enough saved for a down payment, you need to see what this program can do for your situation.
Talk to Jeff — It’s Free →Everything You Need to Know — At a Glance
True Grant — Not a Loan
Not deferred. Not forgivable. A true grant that never has to be paid back.
No Second Lien
No lien on your property. Clean ownership from day one.
Zero Repayment — Ever
Sell in 2 years. Refinance next year. The grant is yours regardless.
No Income Limits
High income, moderate income — this program doesn’t cap you out.
FHA & Conventional
3.5% on FHA loans (covers full minimum down). 3% on Conventional loans.
First-Time & Repeat Buyers
Already own a home? Buying your next one? You may still qualify.
640 Minimum Credit Score
640+ required. We’ll check yours in minutes — no commitment needed.
Available in East Tennessee
Knoxville, Maryville & surrounding counties. We verify property eligibility.
Three Steps to Owning a Home Without a Down Payment
We make this fast. Most people have a clear answer within 24 hours.
Check Your Score
You need a 640+ credit score. Not sure where you stand? We’ll pull it in minutes — no commitment, no pressure.
Choose Your Loan Type
We’ll match you to FHA or Conventional based on your situation, timeline, and long-term goals.
Close Without a Down Payment
The grant covers your down payment at closing. You bring closing cost reserves. We handle the rest.
(865) 420-4639
Do You Qualify?
You don’t have to be a first-time buyer or meet an income threshold. Here’s what actually matters:
- ✓640+ credit score — we’ll verify this together
- ✓Purchasing with FHA or Conventional — not a refinance
- ✓Property in an eligible area — most of East Tennessee qualifies
- ✓First-time homebuyer or repeat buyer — both welcome
- ✓No income limits — earn what you earn
(865) 420-4639
Everything You’ve Been Wondering
Is this really free money? Do I ever pay it back?▾
What’s the difference between this and THDA?▾
What credit score do I need?▾
What if I sell or refinance in a few years?▾
Can I use this grant anywhere in Tennessee?▾
I already own a home. Can I still qualify?▾
Is there a limit on how much I can earn?▾
Ready to Find Out If You Qualify?
It takes 10 minutes. No pressure, no commitment — just a straight answer about whether this program works for your situation.
(865) 420-4639