Tennessee Hardest Hit Fund
Tennessee Housing Development Agency
About This Program
Assistance for homeowners facing foreclosure due to unemployment or underemployment. Provides funds to bring mortgages current and prevent foreclosure. Check THDA for any future similar programs.
Assistance based on mortgage arrears and continuing need
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-05-25. How we verify our data.
Other published resources for Chattanooga, TN, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Habitat Chattanooga Critical Home Repair Program No maximum amount is published
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
Key Details
- Assistance up to $35,000 for mortgage arrears
- Program currently closed
- Was available during economic hardship
- Check THDA for future similar programs
- Helped prevent foreclosure for qualified homeowners
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Chattanooga.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Program closed, check for future reopening
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Find More Programs in Chattanooga, TN
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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