State Program Programs
IHCDA Next Home Program
A flexible mortgage solution for first-time and repeat buyers, offering down payment assistance and competitive rates across Indiana.
IHCDA Mortgage Credit Certificate
Offers a federal tax credit of up to $2,000 annually for eligible first-time buyers using IHCDA loans, helping reduce long-term costs.
IHCDA First Place Program
Aimed at first-time buyers, this program enhances the First Home benefits with additional down payment support and reduced rates.
IHCDA My Home Program
A flexible mortgage option that doesn’t require first-time buyer status and can be paired with MCC and other forms of assistance.
IHCDA Next Home/Next Home Pre-Owned Program
Provides down payment assistance and 30-year fixed mortgages for both first-time and repeat homebuyers purchasing new or pre-owned homes in Indiana.
IHCDA Helping to Own (H2O) Program
Designed for first-time FHA buyers, the H2O Program offers 3.5% down payment assistance and supports low to moderate-income families across Indiana.
IHCDA First Home Plus Program
Builds upon the First Home Program by offering additional closing cost support and DPA options for qualified first-time buyers.
IHCDA Residential Construction Mortgage Program
Helps buyers construct their own home by providing a combined construction-to-permanent mortgage solution with simplified financing.
IHCDA Individual Development Account (IDA) Program
A matched savings program supporting low-income individuals who want to buy a home, pursue education, or start a business.
IHCDA Mortgage Payment Assistance Program
Provides temporary financial relief to Indiana homeowners at risk of foreclosure due to hardship such as job loss or medical emergencies.
IHCDA Housing Choice Voucher Homeownership
Allows eligible voucher holders to apply their housing assistance payments toward mortgage payments rather than rent.
IHCDA CHDO (Community Housing Development Organization) Programs
Provides federal HOME funds to nonprofit developers for the construction or rehab of affordable housing across Indiana.
Indiana Housing Trust Fund
Supports housing initiatives for extremely low-income individuals, including construction, rehabilitation, and rental assistance.
Indiana Affordable Housing and Community Development Fund
Provides funding for housing projects, homebuyer assistance, and economic development across Indiana’s communities.
Indiana Foreclosure Prevention Network
Provides counseling and financial assistance to Indiana homeowners facing foreclosure or hardship.
Indianapolis Homeownership Incentive Program
Offers financial incentives for first-time homebuyers purchasing homes within Indianapolis city limits.
Fort Wayne Down Payment Assistance
Provides down payment support for low- to moderate-income buyers purchasing homes in Fort Wayne, Indiana.
Gary Home Purchase Assistance
Supports buyers in Gary, Indiana with grants or low-interest loans to purchase and renovate homes.