Our Housing and Family Services Programs provide resources that the residents of the Upper Cumberland can utilize to improve their quality of life.
Click on the tabs below to find out more about our many programs
Cumberland Regional Development Corporation & Housing Opportunities
CRDC works with HUD, THDA, Federal Home Loan Bank & USDA Rural Development to create low cost affordable housing. The HUD 202 housing units are for senior citizens 62 years of age or older and are funded by HUD through the Section 202 program. The HUD 811 housing units are for those persons with verifiable disabilities and are funded by HUD through Section 811 program. Farm Labor housing units are for those individuals that are employed in the agricultural sector. We currently have complexes in the following counties in the State of Tennessee: Anderson, Cannon, DeKalb, Fentress, Macon, Monroe, Morgan, Pickett, Putnam, Smith and Warren. For more information contact Myra Walker @(931)476-4120. Or click on a county below to see the housing opportunities found in that area.
Relative Caregiver Program
The Relative Caregiver Program is a comprehensive public/private collaboration designed to support children who are being cared for by grandparents, uncles, aunts and other extended family members. These committed and caring relatives have stepped in to raise children whose parents are unavailable, and are serving as a safety net for these children. Through respecting what is unique and special within each family and providing accurate, easy-to-follow information about existing resources available to families, filling in the gap where services are not available, and providing support services, the Relative Caregiver Program seeks to further strengthen the caregiver’s ability to maintain a supportive and stable environment. For more information on this program and the services it offers, please call
Vickie Reels at (931)476-4123.
Emergency Home Repair
The Upper Cumberland Development District administers the Emergency Repair Program (ERP) through the Tennessee Housing Development Agency for home repairs for elderly homeowners that are 60 years of age or older to correct, repair or replace and essential system and/or critical structural problem.
The program is set up on a 1/3 match system. The maximum allowable expenditure on one household is $15,000 ($10,000 paid by the UCDD, and $5,000 paid by homeowner or other matching source). This program is for necessary repairs to make a home more safe and sanitary. There is no lien placed on the home or property with this program.The homeowner must be low income (income limits are on the state website), must be 60 years old or older, and they must own their home (mobile homeowners are not required to own the land, just the home). For more information on this program and the services it offers, please call Vickie Reels at (931)476-4123.
Tennessee Housing Development Agency (THDA)
As the State’s housing finance agency, the Tennessee Housing Development Agency
(THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to ensure that every Tennessean has access to safe, sound, affordable housing opportunities. More information about THDA programs can be found online at
THDA Homeownership Programs
THDA’s Great Choice Loan Program offers 30-year, fixed rate mortgages and downpayment assistance to eligible first-time, repeat and military homebuyers. Borrowers must meet certain requirements and conditions, including credit history, income limits and cost of home.
Additional Homeownership links:
If you have any questions or need additional information, please contact the Single Family Help Desk at 615-815-2100 or firstname.lastname@example.org or visit the following link:
THDA Community Programs
The Community Programs Division administers a variety of housing programs supported through federal, state and THDA funding. The Division awards grants to local governments and non-profit agencies to meet the housing needs of low income Tennesseans.
For more information, please contact Don Watt, Director of Community Programs at 615-815-2030 or visit the following link:
THDA Rental Assistance Housing Choice Voucher (HCV) Program
The Housing Choice Voucher (HCV) or “Voucher” program is a federal rental assistance program funded through HUD where very low-income families, the elderly and the disabled receive assistance to afford decent, safe and sanitary housing in the private market. As a state housing agency, THDA administers the Housing Choice Voucher program in 72 Tennessee counties, between 4 regional offices.
For more information on the HCV Program, please contact Rental Assistance at 615-815-2164 or visit the following link:
THDA Low Income Housing Tax Credit (LIHTC) Program
The Low-Income Housing Tax Credit is a credit against federal income tax liability each year for 10 years for owners and investors in low-income rental housing. The amount of tax credits is based on reasonable costs of development, as determined by THDA, and the number of qualified low-income units.
For more information, please contact Donna Duarte, Program Liaison for Multifamily Development at 615-815-2210
or visit the following link:
Public Hearing Announcements & Notices
Submit Your Comments On The FY 2017-18
State Of Tennessee Annual Action Plan
And The National Housing Trust Fund Allocation Plan
The Tennessee Housing Development Agency (THDA), in collaboration with the TN Department of Economic and Community Development and the TN Department of Health, completed a draft of the Annual Action Plan for the State of Tennessee and the Allocation Plan for the Housing Trust Fund. The plans are submitted annually to the U.S. Department of Housing and Urban Development and citizens are given an opportunity to review and make comments on information contained in the plans. A summary of the plans are available for review and public comment at www.thda.org. Select "Public Notice and Comments" under "About THDA". The plans will also be available for review on the websites of the nine Development Districts of Tennessee. Links to these websites are available on the Tennessee Development District Association website at www.tennesseedevelopmentdistricts.org. For language assistance, please click the "Select Language" menu at the bottom of the THDA website.
Written comments via electronic submission on the THDA website will be accepted for the following:
Annual Action Plan: June 15 - June 30, 2017
National Housing Trust Fund: June 15 - July 15, 2017
Don't forget to tell your clients, partners, community organizations, and any others throughout the State that would be interested in providing feedback. Our goal is to reach as many Tennesseans as possible.
THANK YOU FOR PARTICIPATING. YOUR FEEDBACK IS IMPORTANT!
Questions about the Annual Action Plan? Email Bettie Teasley: BTeasley@thda.org
Questions about the National Housing Trust Fund? Email email@example.com
HOUSING & FAMILY SERVICES