Hoosier Homes Guide
Do I Have to Take a Homebuyer Education Course?
Homebuyer education is required for any first-time buyers on a Hoosier Homes loan. Repeat-only borrower files typically skip that Hoosier Homes education requirement.
Homebuyer education is required for any first-time buyers on a Hoosier Homes loan. Repeat-only borrower files typically skip that Hoosier Homes education requirement.
Hoosier Homes does not require you to be a first-time homebuyer — but if any first-time buyer is on the loan, that borrower must complete an approved homebuyer education course before closing.
The certificate becomes part of your underwriting package. Without it, clear-to-close can stall even when credit, income, and DTI already look strong.
Your first mortgage may also require education on its own (for example, certain HFA conventional products). Ryan and Steve tell you which course satisfies both Hoosier Homes and the first lien so you only take what you need.
Treat the course like a document condition — schedule it as soon as pre-approval starts.
If any borrower is a first-time homebuyer, plan education for that borrower. Mixed FTHB / repeat files still trigger the requirement.
Start the course Ryan and Steve recommend for your first mortgage and Hoosier Homes pairing so the certificate is accepted on first review.
Download the completion certificate and send it to the loan team immediately — underwriting needs it in the file before clear-to-close.
HFA Preferred, HFA Advantage, HomeReady, or Home Possible pairings can add their own education rules. One course may satisfy multiple requirements when chosen correctly.
| Borrower mix | Hoosier Homes education |
|---|---|
| All first-time buyers | Required |
| Mix of FTHB + repeat | Required for first-time buyers on the loan |
| All repeat buyers | Not required by Hoosier Homes alone |
| First mortgage overlay | May still require education — confirm with your LO |
Related Hoosier Homes eligibility guides and education resources.
FTHB status is not required — but education is if any FTHB is on the loan.
620 minimum for all borrowers.
County limits vs. Targeted Area waivers.
Up to 50% DTI with AUS approval.
Fannie Mae HomeView, Freddie Mac CreditSmart, and how certificates work.
Full eligibility, counties, and cash rules.
Compare Hoosier Homes with other DPA.
Ryan & Steve will confirm first-time status and point you to the accepted education provider before closing deadlines hit.
Program guidelines, income limits, and Targeted Area maps change. This page is educational — final eligibility is confirmed when your file is underwritten against current Hoosier Homes rules. This website is not directly affiliated with or endorsed by any government agency.