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Indiana program

IHCDA First Step statewide DPA mortgage

Indiana route through Indiana Housing and Community Development Authority (IHCDA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Non-forgivable second mortgage Repay later on trigger 2026-04-19
Agency Indiana Housing and Community Development Authority (IHCDA)
Support type Non-forgivable second mortgage
Amount highlight Five percent of the purchase price in non-forgivable down payment assistance paired with a 30-year fixed-rate FHA, FHLMC, or FNMA mortgage.
Last verified 2026-04-19

Open questions

First-time rule has exceptions

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

First Step is broadly a first-time-buyer program, but IHCDA currently publishes targeted-census-tract and military-status exceptions.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Indiana program hub

Amount

Five percent of the purchase price in non-forgivable down payment assistance paired with a 30-year fixed-rate FHA, FHLMC, or FNMA mortgage.

Type

Non-forgivable second mortgage

Repayment

IHCDA says First Step down payment assistance is offered as a non-forgivable second mortgage with IHCDA holding title as evidence. The full assistance must be repaid when the first mortgage ends or when the property is no longer used as the buyer's primary residence.

First-time buyer

Varies

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Indiana first-time homebuyers, Indiana buyers purchasing in a HUD-designated targeted census tract, Indiana buyers with verifiable military status, Borrowers using FHA, FHLMC, or FNMA 30-year fixed-rate financing through a participating lender

What support do you get?

Five percent of the purchase price in non-forgivable down payment assistance paired with a 30-year fixed-rate FHA, FHLMC, or FNMA mortgage.

Do you repay it?

IHCDA says First Step down payment assistance is offered as a non-forgivable second mortgage with IHCDA holding title as evidence. The full assistance must be repaid when the first mortgage ends or when the property is no longer used as the buyer's primary residence.

How do you apply?

Start with an IHCDA participating lender, reserve the First Step loan, pay the required reservation fee, and close both the first mortgage and the IHCDA second-mortgage down payment assistance through the approved lender path.

Official source evidence

The current IHCDA Homeownership Programs page says First Step is for first-time homebuyers, includes down payment assistance, and uses a 30-year fixed-rate FHA or Conventional mortgage. The 2026 guide says the program provides 5 percent non-forgivable down payment assistance statewide, with targeted-census-tract and military exceptions to the first-time-buyer rule.

View official source

Last verified

2026-04-19

Effective date not captured.

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What paid access adds for IHCDA First Step statewide DPA mortgage

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Comparison preview

IHCDA First Step statewide DPA mortgage

Amount: Five percent of the purchase price in non-forgivable down payment assistance paired with a 30-year fixed-rate FHA, FHLMC, or FNMA mortgage.

Repayment: IHCDA says First Step down payment assistance is offered as a non-forgivable second mortgage with IHCDA holding title as evidence. The full assistance must be repaid when the first mortgage ends or when the property is no longer used as the buyer's primary residence.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • IHCDA First Step statewide DPA mortgage requires a participating lender.
  • IHCDA First Step statewide DPA mortgage must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does IHCDA First Step statewide DPA mortgage require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with IHCDA First Step statewide DPA mortgage, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm whether IHCDA First Step statewide DPA mortgage requires a participating lender.
  • Verify the required first-mortgage pairing for IHCDA First Step statewide DPA mortgage.
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What paid research already covers in Indiana

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city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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employer-assisted paths

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2 tracked

specialty and conditional paths

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What paid access adds to this program

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