Dickson and Cheatham Counties
Applications were accepted for these two locations on October 1 - October 15, 2025.
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Scroll down for more details on each home.
Home #1 - Dickson (Dickson County, TN)
Home #1 — Dickson County
- Convenient Location – minutes from downtown Dickson
- Approximately one hour drive to Nashville
- House will be located across the street from 105 Melrose Dr.
- Construction will begin in spring 2026 with estimated completion and move-in by fall 2026.
Home Features:
- One-story, cottage-style home with front porch
- Final house design will contain 3 or 4 bedrooms depending on the need of approved household
- Approx 1,100 – 1,200 square feet depending on number of bedrooms
- Two full bathrooms
- Refrigerator, oven, range, microwave, and dishwasher included
- ENERGY STAR® certified
Payment of approximately $1,000 - $1,100 based on number of bedrooms.*
*Assumes a $290,000 (3 bedrooms) or $310,000 (4 bedrooms) purchase price financed 100% by Habitat or its partners with a 30-year, 0% APR loan for $290,000 (3 bedrooms) or $310,000 (4 bedrooms). Estimates for property taxes and homeowner’s insurance are included, but actual amounts may vary. Final mortgage terms will result in a payment that does not exceed 30% of an eligible buyer’s gross income. Final purchase price will be determined by market value after construction.
Home #2 — Cheatham County
- Convenient Location – located in the heart of Ashland City near shopping and restaurants
- Approximately 40-minute drive to Nashville
- Construction will begin in spring 2026 with estimated completion and move-in by fall 2026
Home Features:
- One-story, cottage-style home with front porch (home design will be similar to house located at 124 Helen Street, Ashland City, TN)
- Refrigerator, oven, range, microwave, and dishwasher included
- Three bedrooms, 2 bathrooms
- Approximately 1,100 square feet
- ENERGY STAR® certified
Payment of approximately $950/month*
*Assumes a $270,000 purchase price financed 100% by Habitat or its partners with a 30-year, 0% APR loan for $270,000. Estimates for property taxes and homeowner’s insurance are included, but actual amount may vary. Final mortgage terms will result in a payment that does not exceed 30% of an eligible buyer’s gross income. Final purchase price will be determined by market value after construction.
Income Limits and Criteria
Applicants must meet the full eligibility criteria (click green button below) for these homes, including:
- Minimum credit score of 600. Applicants with no credit score will be given opportunity to prove credit worthiness through alternative methods (rent and other payment histories).
- Savings. Ability to save $2,000 for closing costs within 6-9 months.
- Annual income limits as shown in chart below.
- Self-employment income will not be counted toward meeting the minimum income requirement. However, it will be counted in the maximum household income.
| Household Size | Minimum Mortgage Eligibility Income** | Maximum Mortgage Eligibility Income** |
|---|---|---|
| 1 | $37,000 | $64,300 |
| 2 | $37,000 | $66,800 |
| 3 | $37,000 | $72,400 |
| 4 | $37,000 | $72,400 |
| 5 | $37,000 | $72,400 |
| 6 | $37,000 | $72,400 |
| 7 (Dickson County Only) | $40,000 | $72,400 |
| 8 (Dickson County Only) | $40,000 | $72,400 |
**Mortgage Eligibility Income includes stable sources of income for the applicants and may differ from Household income which includes all income sources of all household members.
Income limits are specific to the Dickson and Cheatham County homes as of Oct 2025.
All income limits and criteria are subject to change.
