Indiana Housing Trust Fund

### Program Overview

### Indiana Housing Trust Fund (HTF)

The HTF provides flexible support to address Indiana’s most urgent housing needs. Funds can be used for shelter, transitional housing, rental assistance, and home rehab projects targeting households earning below 30% AMI.

**Key Features:**
- Affordable rates
- Support for homeownership
- Available statewide

**Who Should Use This Program?**
- First-time homebuyers looking for affordability
- Low- to moderate-income families
- Residents seeking long-term housing stability

**What You Need to Know**
- Program eligibility varies by income and location
- You may be required to complete a homebuyer course
- Assistance may be structured as a grant or loan

**Next Steps**
1. Review eligibility requirements and program benefits
2. Contact a participating lender or city agency
3. Gather financial documents and prepare to apply
4. Complete homebuyer counseling if needed
5. Finalize your loan and receive program benefits

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### 🔍 Key Features
- Tailored to Indiana homebuyers
- Access to financial assistance
- Available through approved lenders statewide

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### 👤 Who Is This Program For?
This program is ideal for:
- First-time or repeat homebuyers in Indiana
- Households with limited income or savings
- Buyers seeking predictable monthly mortgage payments
- Individuals needing help with upfront costs like down payments or closing fees

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### 📌 What Sets It Apart?
- Competitive interest rates and loan terms
- Potential combination with federal or local incentives
- Emphasis on sustainable homeownership and financial stability
- Support from certified housing counselors

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### 📝 How to Get Started
1. Visit the [official program website](#) or contact an approved IHCDA lender.
2. Gather documentation (proof of income, credit report, home purchase agreement, etc.).
3. Complete a required homebuyer education course if applicable.
4. Submit your application and await approval.
5. Close on your new home and enjoy the benefits of homeownership.

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- Applicants must serve households below 30% Area Median Income (AMI)
- Must be a nonprofit or government agency
- Projects must meet fund priorities

- Highly flexible funding for deep affordability
- Improves access for homeless or severely cost-burdened populations

1. Apply during HTF funding rounds via IHCDA
2. Submit eligible project proposal
3. Receive funding based on review and scoring
4. Complete project and report on outcomes