14 verified resources.
14 Resources
1. Tennessee Housing Development Agency (THDA) — Free
State housing finance agency offering affordable mortgages, down payment assistance, rental assistance, and homebuyer education for Tennessee residents. Serves first-time homebuyers, renters, and moderate-income households statewide. Applicants work through approved lenders or HUD-certified counseling agencies; required documents typically include photo ID, Social Security card, pay stubs, tax returns, and bank statements. Income and purchase-price limits apply and vary by program and county.
615-815-2200 · 502 Deaderick St, Suite 1300, Nashville, TN 37243 · Mon-Fri 8am-4:30pm · Visit Website
2. Memphis/Shelby County Community Action Agency — Free
Community action agency providing emergency assistance, rental help, utility assistance (including LIHEAP), and family support for low-income Memphis-area families. Serves Shelby County residents. Intake is by appointment; applicants should bring photo ID, Social Security cards for all household members, proof of income (pay stubs or benefits letters), a current lease or utility bill, and the past-due notice if seeking rent or utility help. Eligibility is based on household income.
901-274-6837 · 3155 Howell Ave, Memphis, TN 38128 · Mon-Fri 8am-5pm
3. Chattanooga Housing Authority — Free
Provides affordable public housing, Housing Choice (Section 8) vouchers, and resident services for low-income families in the Chattanooga area. Serves Hamilton County residents. Applicants must complete an application during an open waiting list and provide photo ID, Social Security cards for all household members, birth certificates, proof of income, and a current address. Waiting lists may be closed at times; applicants should monitor openings through the authority's website.
423-752-4841 · 801 N Holtzclaw Ave, Chattanooga, TN 37404 · Mon-Fri 8am-4:30pm
4. HUD Tennessee Field Office — Free
Federal housing office overseeing public housing, Section 8, Fair Housing, and HUD-approved Housing Counseling in Tennessee. Residents can call 800-569-4287 for free referrals to HUD-certified housing counselors for pre-purchase, rental, and foreclosure help. Serves renters, homebuyers, and homeowners statewide. The office itself does not typically take walk-in applications for benefits; it directs residents to local housing authorities, counseling agencies, and fair-housing enforcement agencies.
615-736-5213 · 235 Cumberland Bend Dr, Suite 200, Nashville, TN 37228 · Mon-Fri 8am-4:30pm · Visit Website
5. Woodbine Community Organization (Nashville) — Free
HUD-approved housing counseling agency providing homebuyer education, foreclosure prevention, rental counseling, and financial coaching in the Nashville area. Serves renters, first-time buyers, and homeowners in Davidson and surrounding counties. Clients should bring photo ID, Social Security card, pay stubs or benefits letters, tax returns, bank statements, a current lease or mortgage statement, and any default or delinquency notices. Counseling is typically free for qualifying households.
615-833-9580 · 222 Oriel Ave, Nashville, TN 37210 · Mon-Fri 8:30am-5pm · Visit Website
6. Tennessee DHS Emergency Assistance — Free
State emergency assistance programs administered by the Department of Human Services providing short-term help with rent, utilities, and basic needs for eligible Tennessee families facing a documented crisis. Serves low-income households statewide. Applicants should bring photo ID, Social Security cards, proof of income (pay stubs or benefits letters), a current lease or mortgage statement, and the past-due or shutoff notice when seeking rent or utility help. Eligibility is based on income and crisis documentation.
866-311-4287 · Apply at local DHS office · Mon-Fri 8am-4:30pm · Visit Website
7. Metropolitan Development and Housing Agency (Nashville) — Free
Nashville's public housing authority managing affordable public housing units, Housing Choice (Section 8) vouchers, and resident self-sufficiency programs. Serves Davidson County residents. Applicants must complete an application during an open waiting list and provide photo ID, Social Security cards for all household members, birth certificates, proof of income, and a current address. Waiting lists may be closed at times; applicants should monitor openings through MDHA's website.
615-252-8400 · 712 S 6th St, Nashville, TN 37206 · Mon-Fri 7:45am-4:30pm · Visit Website
8. Memphis Housing Authority — Free
Manages public housing and Housing Choice (Section 8) vouchers for low-income Memphis families and offers resident services and self-sufficiency programs. Serves Shelby County residents. Applicants must complete an application during an open waiting list and provide photo ID, Social Security cards for all household members, birth certificates, proof of income, and a current address. Waiting lists may be closed at times; applicants should monitor openings through the authority's website.
901-544-1288 · 700 Adams Ave, Memphis, TN 38105 · Mon-Fri 8am-4:30pm · Visit Website
9. Knoxville's Community Development Corporation (KCDC) — Free
Public housing authority for Knoxville managing affordable public housing, Housing Choice (Section 8) vouchers, and neighborhood revitalization programs. Serves Knox County residents. Applicants must complete an application during an open waiting list and provide photo ID, Social Security cards for all household members, birth certificates, proof of income, and a current address. Waiting lists may be closed at times; applicants should monitor openings through KCDC's website.
865-403-1100 · 901 N Broadway, Knoxville, TN 37917 · Mon-Fri 8am-4:30pm · Visit Website
10. Habitat for Humanity of Greater Nashville — Paid
Builds affordable homes for qualifying Nashville-area families through a homeownership program that includes financial coaching, homebuyer education, and sweat-equity hours. Serves Davidson and surrounding counties. Applicants typically must demonstrate housing need, ability to pay an affordable mortgage, and willingness to partner in construction; required documents include photo ID, Social Security cards, pay stubs, tax returns, and housing-cost documentation. Info sessions explain the full application process.
615-254-3278 · 414 Harding Pl, Nashville, TN 37211 · Mon-Fri 8:30am-5pm · Visit Website
11. Habitat for Humanity of Greater Memphis — Paid
Builds affordable homes for qualifying Memphis-area families through a homeownership program with financial education, homebuyer classes, and volunteer builds. Serves Shelby County and surrounding areas. Applicants typically must demonstrate housing need, ability to pay an affordable mortgage, and willingness to partner in construction; required documents include photo ID, Social Security cards, pay stubs, tax returns, and housing-cost documentation. Info sessions explain the application process.
901-543-7655 · 1620 Pendleton St, Memphis, TN 38114 · Mon-Fri 8:30am-5pm · Visit Website
12. Catholic Charities of Tennessee — Free
Provides emergency financial assistance, housing counseling, refugee and immigration services, and family support across Tennessee. Serves people of all faiths. Intake varies by program; applicants should generally bring photo ID, Social Security cards, proof of income, a current lease or utility bill, and any past-due or agency notices when seeking rent or utility help. Some programs require an appointment, while walk-in intake may be available for specific emergency funds.
615-352-3087 · 2806 McGavock Pike, Nashville, TN 37214 · Mon-Fri 8am-4:30pm · Visit Website
13. Tennessee LIHEAP (Home Energy Assistance) — Free
Federal program administered by Tennessee DHS and local community action agencies providing low-income households with assistance paying heating and cooling costs, including crisis shutoffs. Serves qualifying renters and homeowners statewide. Applicants should bring photo ID, Social Security cards for all household members, proof of income for the past 30 days, a recent utility bill, and any shutoff notice. Eligibility is based on income; benefits vary by season and funding.
866-311-4287 · Apply at local community action agency · Mon-Fri 8am-4:30pm (seasonal) · Visit Website
14. Southeast Tennessee Human Resource Agency — Free
Community action agency serving 10 Southeast Tennessee counties with emergency assistance, housing programs, utility help (including LIHEAP), and transportation. Serves low-income households in the Chattanooga region and surrounding rural counties. Applicants should bring photo ID, Social Security cards for all household members, proof of income, a current lease or utility bill, and any past-due or shutoff notice when seeking help. Eligibility is based on income and household size.
423-949-2191 · 520 W 2nd North St, Dunlap, TN 37327 · Mon-Fri 8am-4:30pm · Visit Website