Indiana Down Payment and Homeownership Assistance

Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.


Statewide and Regional Programs

Indiana Housing and Community Development Agency
Porter County
U.S. Department of Agriculture, Rural Development programs

Programs by City/Town

City of Anderson
City of Bloomington
City of Columbus
City of East Chicago
City of Elkhart
City of Evansville
Office of Housing and Neighborhood Services
HOME investment partnership program

City of Fort Wayne
View the neighborhood’s web page – A handbook of resident services that the city of Fort Wayne offers to low and moderate income residents
Office of Housing and Neighborhood Services

City of Hammond
City of Indianapolis Cities of Lafayette/ West Lafayette
Community Development Department

City of Mishawaka
City of Muncie – Inquire about homeownership opportunities. Contact the Office of Community Development (765) 747-4825

City of South Bend
Community Development Department

City of Terre Haute
Redevelopment Department