Hoosier Homes Guide
Where Can I Use the Hoosier Homes Program?
Hoosier Homes is available in specific participating Indiana counties — not statewide. The home must be your primary residence occupied within 60 days of closing.
Hoosier Homes is available in specific participating Indiana counties — not statewide. The home must be your primary residence occupied within 60 days of closing.
The 4% Hoosier Homes DPA layer is reserved for properties inside approved participating counties. Buying outside that list means this particular program will not reserve — even if you otherwise meet credit and income guidelines.
Within those counties, 5% Hoosier Homes Plus depends on Targeted Area designation (usually a census tract), not the entire county map. Ryan and Steve verify the address against current guidelines before you write an offer.
Occupancy is non-negotiable: this is a primary-residence program. You must move in within 60 days of closing.
Current participating jurisdictions for Hoosier Homes. Confirm your exact address before you rely on a reservation.
| Location status | What you typically get |
|---|---|
| Outside participating counties | Hoosier Homes not available — screen other DPA |
| Participating county (standard) | 4% of first mortgage toward DP / closing costs |
| Participating county + Targeted Area | 5% Plus — income limits may be waived |
| Non-primary occupancy intent | Not eligible regardless of county |
Related Hoosier Homes location and property guides.
How Targeted Areas unlock 5% and waive income limits.
1–2 unit homes, PUDs, townhomes, condos, and manufactured housing.
Primary residence only — rentals and vacation homes do not qualify.
FHA, VA, USDA, and HFA conventional 30-year fixed options.
County limits vs. Targeted Area waivers.
Full eligibility, forgiveness, and cash rules.
Compare Hoosier Homes with other DPA programs.
Ryan & Steve will confirm county and Targeted Area status before you write an offer — so your pre-approval reflects 4% or 5% correctly.
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.