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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

THDA Loans

Tennessee Housing Development Agency loans are an affordable option for qualified homebuyers who live in Tennessee.

Apply Now
Tennessee Housing Development Agency (THDA) offers this grant mortgage program to qualified low and moderate-income buyers.
  • Assistance available for down payment and closing costs
  • Affordable monthly payments
  • Lower interest rates for 30-year terms
  • Subject to the availability of state funds
  • May be used for primary residence only
  • $5 monthly fee if average balance is below $7,500

What our
customers say

I like that First Citizens is locally owned. It has that small-town atmosphere about it.

– First Citizens National Bank customer