Hoosier Homes Guide
How Do I Know If a Property Qualifies for the 5% Hoosier Homes Plus DPA?
You need both a participating county and a designated Targeted Area (usually a census tract). County alone is not enough for the 5% tier.
You need both a participating county and a designated Targeted Area (usually a census tract). County alone is not enough for the 5% tier.
For Hoosier Homes Plus, the property must sit in an approved participating county and within a designated Targeted Area — typically a specific census tract or qualified community area, not the entire county map.
That designation unlocks 5% of the first mortgage toward down payment or closing costs and may waive standard county income limits.
Verification happens against Exhibit A of the program guidelines or inside the DASH reservation portal when the loan is registered — not by guessing from a city name.
Run these in order so your pre-approval and offer strategy match the real assistance tier.
The property must first be in an approved county (Adams, Allen, Clay, DeKalb, Fulton, Huntington, Jay, Kosciusko, LaGrange, Lake, LaPorte, Marion, Montgomery, Noble, Parke, Porter, Pulaski, Putnam, Randolph, Steuben, Sullivan, Vermillion, Vigo, Wabash, Wells, or Whitley — subject to updates).
The specific street address must fall inside a designated Targeted Area census tract or qualified community area within that county.
Targeted Area properties may also waive standard program income limits — useful when household income would otherwise exceed county caps.
Do not rely on neighborhood marketing. Ryan and Steve verify the address against current maps during reservation so the 5% tier is locked correctly.
| Scenario | Typical outcome |
|---|---|
| Participating county only | 4% standard assistance |
| Participating county + Targeted Area | 5% Plus + possible income-limit waiver |
| Outside participating counties | Hoosier Homes not available |
| Unverified address | Do not assume Plus — check DASH / Exhibit A |
Related location, amount, and income guides.
Full participating county list and occupancy rules.
4% vs 5% examples in real dollars.
County limits vs. Targeted Area waivers.
Which homes can use Hoosier Homes DPA.
FHA, VA, USDA, and HFA conventional options.
Full eligibility, forgiveness, and cash rules.
Compare Hoosier Homes with other DPA programs.
Send Ryan & Steve the property address. They will confirm whether you are looking at 4% standard or 5% Hoosier Homes Plus before you write the offer.
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.