Help to buy in Indiana
Home-buying assistance programs in Indiana
2 official programs for down payment and closing cost help in Indiana, from Indiana Housing and Community Development Authority. We show what each program says on its own page, with the date we checked it.
Key numbers in Indiana
- Verified programs
- 2
- from Indiana Housing and Community Development Authority
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Type not stated
The source does not say the type of help
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Indiana
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Type not stated
Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage
What it gives, per the source
Down Payment Assistance (DPA) of 2.50% or 3.50% … Based on the purchase price … Not to exceed the appraised value.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Indiana Housing and Community Development Authority (IHCDA)
Verified November 5, 2026
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- Deferred
Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends
What it gives, per the source
Down Payment Assistance (DPA) … Non-Forgivable DPA … The assistance comes in the form of a second mortgage but carries no interest and no payments. The down payment assistance must be repaid … at loan maturity … If the home is sold … If the home is refinanced; or … when the home is no longer used as an owner-occupied primary residence
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Indiana Housing and Community Development Authority (IHCDA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Indiana
One program we checked in Indiana to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program (WAP)
Run by Indiana Housing and Community Development Authority (IHCDA)
Indiana weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Indiana?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.