The Southeast Tennessee Development District’s (SETDD) housing program is funded through grants from Tennessee Housing Development Agency (THDA). We provide technical assistance and grant writing to the communities in our ten county region. We also assist in the development of non-profit organizations who are interested in low income housing in our area.

HOME Program

These are federal funds awarded through a THDA State-wide competitive process. The program goal is to bring substandard housing into compliance with HUD housing quality standards as well as local building codes. Examples of eligible work may include plumbing, electrical, foundations, roof replacement or repairs, handicap accessibility, windows and door replacements. These forgivable grants are awarded as a grant to low income homeowners who live in the home.


For more information, please contact Emmalyn Bradford at (423) 424-4260 or by email at

Additional Housing Resources:

Tennessee Housing Development Agency (THDA)

As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to ensure that every Tennessean has access to safe, sound, affordable housing opportunities. More information about THDA programs can be found online at

THDA Homeownership

THDA’s Great Choice Loan Program offers 30-year, fixed rate mortgages and down payment assistance to eligible first-time, repeat and military homebuyers. Borrowers must meet certain requirements and conditions, including credit history, income limits and cost of home. is Tennessee’s free housing locator. It is free for landlords to list housing, and free for tenants to search for housing. Affordable (income based and properties) and market rate properties, including those that accept Housing Choice Vouchers, may be found on the site. The service is ADA Title II 508 compliant; works with assistive technology; uses Google to translate content into almost 100 languages. For those needing additional listing or search assistance, a toll-free, bilingual call center is available 3

Additional Homeownership Links:

Down Payment Assistance

Home Ownership for the Brave

If you have any questions or need additional information, please contact the Single Family Help Desk at 615-815-2100 or

THDA Community Programs

The Community Programs Division administers a variety of housing programs supported through federal, state and THDA funding. The Division awards grants to local governments and non-profit agencies to meet the housing needs of low income Tennesseans.

THDA Rental Programs

The Housing Choice Voucher (HCV) or “Voucher” program is a federal rental assistance program funded through HUD where very low-income families, the elderly and the disabled receive assistance to afford decent, safe and sanitary housing in the private market. As a state housing agency, THDA administers the Housing Choice Voucher program in 72 Tennessee counties, between 4 regional offices.

For more information, please contact Rental Housing Programs at 615-815-2186

THDA Low Income Housing Tax Credit (LIHTC) Program

The Low-Income Housing Tax Credit is a credit against federal income tax liability each year for 10 years for owners and investors in low-income rental housing. The amount of tax credits is based on reasonable costs of development, as determined by THDA, and the number of qualified low-income units.

THDA Research and Planning

For statewide and county-based information about housing and housing affordability, the THDA Research and Planning Division has multiple resources to gain insight into the state’s housing market.


Chattanooga Neighborhood Enterprise

Recent changes have been implemented to the Hardest Hit Fund mortgage payment assistance program. The Chattanooga Neighborhood Enterprise (CNE) now has the unprecedented ability to help more homeowners keep their homes from foreclosure.

Help includes:

  • Increase in financial assistance per household
  • Expanded eligible hardships (unemployment, underemployment, short term and long term disability, divorce, deceased spouse)
  • Removal of escrow restrictions
  • Increase in maximum household income limit
  • Increase in maximum principle balance limit
  • Decrease in paperwork
  • Improvement in turnaround time from THDA (average less than 3 weeks)
  • Any many other improvements

For assistance, please contact the CNE’S FORECLOSURE PREVENTION HOTLINE AT (423) 664-4663

Additional Links

USDA Rural Development Housing Repair and Rehabilitation

For more information on Rural Development programs contact the Rural Development Area Office in Chattanooga at 423-756-2239 or toll free at 800-342-3149.

United Cerebral Palsy Housing Modification and Ramp Program