Dickson and Cheatham Counties
Applications are now closed. Applications were accepted online August 18-31.
For questions or assistance with completing the online application, call 615-254-4663 or email HomeownerServices@habitatnashville.org
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Learn More!
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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 2027 with estimated completion and move-in by fall 2027.
Home Features:
- One-story, cottage-style home with front porch
- 3 bedrooms, 2 bathrooms
- Approx 1,100 square feet
- Refrigerator, oven, range, microwave, and dishwasher included
- ENERGY STAR® certified
Payment of approximately $1,130/month*
*Assumes a $320,000 purchase price financed 100% by Habitat or its partners with a 30-year, 0% APR loan equivalent to purchase price. Estimates for property taxes and homeowners’ 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 2027 with estimated completion and move-in by fall 2027
Home Features:
- Two-story home with front porch
- 2 bedrooms, 1.5 bathrooms
- Bedrooms and full bathroom upstairs
- Open living space downstairs
- Approximately 1,100 square feet
- Refrigerator, oven, range, microwave, and dishwasher included
- ENERGY STAR® certified
Payment of approximately $990/month*
*Assumes a $280,000 purchase price financed 100% by Habitat or its partners with a 30-year, 0% APR loan equivalent to purchase price. 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 bill 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 will not be included in the minimum income required to qualify for the Habitat mortgage during the August 2026 application round due to the funding sources. It is important to read all eligibility requirements prior to applying as this could change in the future.
| Household size | Minimum Qualifying Income** (Cheatham County) |
Minimum Qualifying Income** (Dickson County) |
Maximum Household Income (Both Counties) |
|---|---|---|---|
| 1 person | $41,000 | $47,000 | $65,000 |
| 2 people | $41,000 | $47,000 | $67,500 |
| 3 people | $41,000 | $47,000 | $73,200 |
| 4 people | $41,000 | $47,000 | $73,200 |
| 5 - 6 people* | N/A | $47,000 | $73,200 |
Income limits in the chart are specific to the Dickson County and Cheatham County homes as of August 2026 and could change in future application rounds.
* Maximum household size for Cheatham County is 4 people due to being a 2-bedroom home.
** Qualifying income includes stable sources of income for the applicants and may be different from Household Income which includes all income sources of all household members.
For questions regarding eligibility or the homes currently available please call (615) 254-4663 or email HomeownerServices@habitatnashville.org
Need help now?
We know housing is a significant challenge for many in our community and unfortunately our program cannot serve everyone, nor do we provide emergency housing. Click below for additional resources and links to housing and financial counselors and other local housing programs.
