Hoosier Homes Guide
What Property Types Are Eligible for Purchase?
Hoosier Homes supports 1–2 unit single-family homes, PUDs, townhouses, condos, and eligible manufactured housing — when you occupy the home as your primary residence.
Hoosier Homes supports 1–2 unit single-family homes, PUDs, townhouses, condos, and eligible manufactured housing — when you occupy the home as your primary residence.
Hoosier Homes lists the property categories above, but your first mortgage — FHA, VA, USDA, or HFA conventional — still has to approve the specific house, condo project, or manufactured setup.
That means a condo can be “eligible” for Hoosier Homes on paper and still fail a project review, or a manufactured home can clear the DPA list and still miss foundation or title requirements for the first lien.
Ryan and Steve screen property type and location together so you do not lock into a contract that cannot reserve DPA.
Use this checklist when you are touring homes in participating counties.
Detached or attached homes with one or two units where you will occupy as your primary residence. Pairing with FHA/VA/USDA/HFA still controls underwriting overlays.
Planned unit developments and townhomes are allowed when the first mortgage accepts the project and the address sits in a participating county.
Condo purchases are eligible on the Hoosier Homes list, but condo project review for the first lien is often the longer gate — start that early.
Manufactured homes can work when they meet current program and first-mortgage standards. Confirm foundation, title, and age rules before you write.
| Factor | What drives eligibility |
|---|---|
| Property category | Must be on the Hoosier Homes eligible list |
| First mortgage | Must approve the specific home / project |
| 4% vs 5% | County + Targeted Area location — not home style |
| Occupancy | Primary residence within 60 days of closing |
Related Hoosier Homes property and location guides.
Participating Indiana counties and occupancy rules.
Primary residence only — rentals and vacation homes do not qualify.
How Targeted Areas unlock the higher assistance tier.
FHA, VA, USDA, and HFA conventional pairings.
4% vs 5% examples based on first mortgage amount.
Full eligibility, counties, and cash rules.
Compare Hoosier Homes with other DPA programs.
Send Ryan & Steve the address and property type. They will check Hoosier Homes eligibility against your first-mortgage pairing before you go under contract.
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.