Tell us the county, the household size and the address
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
The fastest way to a useful answer is the county, how many people are signing, and the address if you have one.
What should I send?
County, how many people will be on the loan, approximate income for those people only, and the property address if you have one. That lets us check both income tables and the targeted-tract designation in a single pass, instead of guessing which programme you meant.
If you have owned a home in the last three years, say so — it changes which programmes are open, and a targeted address or verifiable military status can reopen the one that pays most.
What comes back?
Which IHCDA programme fits, the income row that applies to you, what the assistance comes to at your price, and an honest read on what carrying a non-forgivable second does to your plans if you expect to move within a few years. If First Step is in play we will flag the recapture exposure rather than leave you to find it.
Where a figure depends on a Master Servicer overlay rather than a published IHCDA number, we will say that too.
Do you lend across all of Indiana?
Yes, statewide across all 92 counties, which all sit at the same $832,750 conforming loan limit. What varies is your income row — from $95,300 for one to two people in most of the state up to $110,300 in the Indianapolis metro counties — whether your address sits in a targeted census tract, and whether your county is one of the 25 in the Hoosier Homes footprint.
Frequently asked questions
How do I apply for Indiana down payment assistance?
Through an IHCDA participating lender, because the assistance is a second mortgage that must sit behind an IHCDA first mortgage. A valid real estate contract must be in place before the loan is reserved, and the $250 reservation fee is non-refundable, so pre-screening first matters.Do you lend across all of Indiana?
Yes, statewide across all 92 counties, which all sit at the same $832,750 conforming loan limit. What varies is the income row for your county, whether your address sits in a targeted census tract, and whether your county is one of the 25 in the Hoosier Homes footprint.How quickly will someone respond?
Our team reviews every Indiana scenario and reaches out shortly, usually with the program that fits, the income row that applies, and an honest read on what a non-forgivable second means for your plans. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal or tax advice. IHCDA program terms, income limits and acquisition limits are set by the Indiana Housing and Community Development Authority and change; figures here carry the date we verified them against IHCDA's published documents. IHCDA down payment assistance is a non-forgivable second mortgage repayable in full, not a grant. Federal recapture tax may apply on bond-funded loans; consult a tax advisor. Loans are subject to borrower and property qualification.