City of Clarksville – Neighborhood & Community Services / Office of Housing & Community Development

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First-Time Homebuyers Program – City of Clarksville

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City of Clarksville – Neighborhood & Community Services / Office of Housing & Community DevelopmentTNFirst-Time HomeownerHUD HOME funded assistance package that provides up to 25000 dollars in combined zero percent interest support, with an initial forgivable portion and a remaining silent second mortgage portion, to cover down payment and closing costs for eligible first-time buyers in Clarksville.

Updated: Dec 6, 2025

Clarksville’s First-Time Homebuyers Program uses HUD HOME funds to provide substantial zero-interest down payment and closing-cost assistance to low-income buyers purchasing in the city.

Eligible for: Low-income, first-time homebuyers (generally at or below 80% of area median income) purchasing a primary residence within the Clarksville ci…

Funding: Offers up to 25000 dollars in total assistance, typically structured so that roughly the first 15000 dollars is a zero percent interest forgivable loan after a required owner occupancy period, with any remaining amount provided as a zero percent interest silent second mortgage that is repaid when the home is sold, refinanced or no longer used as the buyer's primary residence.Deadline: Rolling; funded with HUD HOME dollars and offered while annual allocations remain available.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerClarksville residentdown payment assistanceclosing cost assistance0% interestforgivable loansilent secondcity programHUD HOME funded

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