Housing

Tennessee Property Tax Relief: Get Up to $1,500 Off Your Property Taxes if You Are Elderly, Disabled, or a Veteran

State-funded reimbursements that cover part of the property taxes on a primary residence for qualifying Tennessee homeowners.

Type: Benefit Amount: Varies by county; up to $500 on county taxes for elderly and disabled homeowners and up to $1,500 for disabled veterans Deadline: Apply through your county trustee by 35 days after the April tax delinquency date (typically early April or mid-May depending on county) Location: Tennessee

USDA Section 502 Direct Home Loan

Zero-down payment mortgage for very low- and low-income rural homebuyers financed directly by USDA Rural Development.

Type: Loan Amount: Loan limit varies by county; payment assistance can reduce effective interest rate to 1% Deadline: Rolling Location: United States - Rural

USDA Section 504 Home Repair Loans and Grants

Provides low-interest loans and grants to very low-income rural homeowners to repair, improve, or modernize dwellings.

Type: Benefit Amount: Loans up to $40,000 at 1% interest; grants up to $10,000 for seniors Deadline: Rolling Location: United States

USDA Section 515 Rural Rental Housing Direct Loan Guide: How to Secure 1 Percent Financing for Rural Affordable Housing

If you work in affordable housing and rural communities keep coming up short, the USDA Section 515 Rural Rental Housing Direct Loan program should be on your short list of tools. It is not flashy. It is not fast.

Amount: Up to 100% of development costs (or appraised value) with 1% effective interest rate and up to 50-year term Deadline: Annual Notice of Funding Availability (NOFA) and rolling applications through USDA Rural Development state offices Location: United States

VA Home Loan Benefits 2025: How Veterans Can Buy a Home with $0 Down

If you’re a Veteran, service member, or surviving spouse and you think you “can’t afford a house,” the VA home loan program might change your mind very quickly. This isn’t a tiny perk buried in your benefits packet.

Type: Benefit Amount: Loan amounts up to conforming limits with zero down; funding fee varies 0.5%–3.3% Deadline: rolling application Location: United States

Vermont Homestead Declaration and Property Tax Credit

Reduces school and municipal property taxes for Vermont resident homeowners through income-based credits linked to the annual homestead declaration.

Type: Benefit Amount: Credits vary; up to $8,000 or more depending on income and property tax Deadline: File Homestead Declaration Form HS-122 and Property Tax Credit Claim Form HI-144 by April 15 (automatic extension to October 15 for income tax filers) Location: Vermont

Virginia Real Estate Tax Relief for the Elderly and Disabled

Allows Virginia homeowners with limited income who are elderly or permanently disabled to reduce or fully exempt local real estate taxes.

Type: Benefit Amount: Localities may exempt 100% or provide partial relief based on income and net worth limits Deadline: Varies by locality; often March 1 to April 1 Location: Virginia

West Virginia Homestead Property Tax Exemption: Save Money on Property Taxes if You're 65+ or Disabled

Reduces county property taxes for eligible West Virginia homeowners who are seniors or totally and permanently disabled by exempting the first $20,000 of assessed value.

Type: Benefit Amount: Exempts up to $20,000 of assessed value (equal to $100,000 of market value) Deadline: File application with the county assessor between July 1 and December 1 for the following tax year Location: West Virginia

Wyoming Property Tax Refund Program

Provides refunds of a portion of property taxes for eligible Wyoming homeowners based on income and asset limits.

Type: Benefit Amount: Refund up to 75% of the prior year's property tax, capped at one-half median residential tax Deadline: Apply online or by mail by the first Monday in June Location: Wyoming