GET THE GUIDE! Order your free Tennessee Vacation Guide
at or call 1-800-GO2-TENN.

Follow MAAG on social media!
facebookicontwitterlogo instagram-icon youtube-logo 




The Tennessee Housing Development Agency has completed a substantial amendment to the State’s 2015-2019 Consolidated Plan. The amendment includes changes in the funding distribution of the Emergency Solutions Grant program.


The 2015-2019 Consolidated Plan combines the planning, application, and reporting processes for four existing U.S. Department of Housing and Urban Development (HUD) grant programs: Community Development Block Grant (CDBG); Emergency Solutions Grant (ESG); HOME Investment Partnership Program (HOME); and Housing Opportunities for Persons with AIDS Program (HOPWA). These funds are utilized to support a variety of housing and community development programs and projects throughout Tennessee, primarily for the benefit of low- and moderate-income households.


The plan is available for review and public comment at Please select “Public Notice and Comment” under “About THDA”. The plan will also be available for review at the nine Development Districts of Tennessee. Locations of the nine Development Districts are available on the Tennessee Development District Association website at Written comments via electronic submission on the THDA website will be accepted from November 11th to December 10th, 2015.

Emergency Repair Program Overview

The Emergency Repair Program (ERP) provides grants to low income senior homeowners to repair or replace an essential system and/or a critical structural problem.  The purpose of the program is to stabilize the senior homeowner’s residence by making rapid, essential repairs to make the home livable.  This is not a comprehensive homeowner rehabilitation program.

Program Requirements

Homeowner eligibility - Applicants must meet all of the following requirements:

  • The applicant must be at least 60 years of age and must occupy the property to be repaired as her/her principal residence.

  • The applicant must have an ownership interest in the property to be repaired.

  • If the property to be repaired is a manufactured housing unit, it is not necessary for the senior homeowner to own the manufactured unit and the land on which it sits; the elderly homeowner must, however, have title to the manufactured unit.

  • The household income must be at or below 60% of area median income as defined by the Section 8 Rental Assistance Program.

Subsidy Level
The maximum grant to an eligible homeowner from THDA funds is $10,000.  Since the program requires a 50% match of the THDA funds from another source, the maximum contract amount cannot exceed $15,000 ($10,000 from THDA and $5,000 as the 50% match).  The assistance the program beneficiaries receive will be in the form of a grant.  The Emergency Repair Program will not require a compliance period secured by a lien on the property.

Property Standards
The Emergency Repair Program is intended to make immediate repairs to an essential system so that the senior homeowner can continue to reside in his/her home.  The program does not require that the entire structure be brought into compliance with codes.  The following list is an example of the types of repairs the program is meant to address:

  • Roofs
  • Electrical systems
  • Plumbing systems
  • Septic systems
  • Heating and air systems
  • Structural repairs to floors or walls

It is anticipated that the senior homeowner will help define the nature of the emergency repair.  In many instances, there will be additional work that needs to be done to the house that cannot be addressed with this program, and there may not be a visible difference in the house once the emergency repairs have been completed.

MAAG partners with Habitat for Humanity, Shelby County Housing and with Delta Human Resource Agency to facilitate the Emergency Repair Program. To apply, please contact one of the following:


In the city of Memphis  

Christin Reeder
Habitat for Humanity of Greater Memphis
7136 Winchester Road Memphis, TN 38125
This email address is being protected from spambots. You need JavaScript enabled to view it.

PLEASE NOTE: This is currenlty a pilot program for the Uptown Neighborhood within the city of Memphis. ERP funding is not available for repair to homes located outside of Uptown at this time.


In Shelby County Jim Vazquez
Shelby County Dept of Housing and Community Development
1075 Mullins Station Road, Memphis, TN 38134

In Fayette, Lauderdale, or Tipton Counties Gloria Williams
Delta Human Resource Agency
915 Highway 51 South Covington, TN 38019


Call the MAAG offices at 901.729.2871 if you have additional questions.


Additional Resources

In addition to the Emergency Repair Program, the Tennessee Housing Development Agency offers other programs to assist homeowners in need of help.  Please visit one of the websites below for more information:

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  

THDA’s Great Choice Loan Program offers 30-year, fixed rate mortgages and down payment 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:

Homeownership for the Brave

Tennessee Housing Search

If you have any questions or need additional information, please contact the Single Family Help Desk at 615-815-2100 or This email address is being protected from spambots. You need JavaScript enabled to view it. This email address is being protected from spambots. You need JavaScript enabled to view it. .

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 Coralee Holloway, Director of Community Programs at 615-815-2030.

THDA Rental Programs

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, please contact Cheryl Jett, Senior Director of Rental Housing Programs at 615-815-2186

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 Ed Yandell, Program Liaison for Multifamily Development at 615-815-4142. 


©2011 Memphis Area Association of Governments · Phone 901.729.2871 · Fax 901.729.4107
8289 Cordova Road, Suite 103 · Cordova, TN 38016
Designed and Hosted by Entice Creative