Down payment assistance · Indiana
Buying a home in Delaware County, IN
1 city with their own, plus 8 statewide and 62 nationwide.Delaware has no program that covers the whole county and 1 city with a program of their own. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
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Only inside city limits
1 city with their own program1 Delaware city with their own program
For a home inside that city.A city program is for a home inside that city.
The Delaware marketThe Delaware housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Delaware
- 72.9% single-familysingle-family
- 2.4% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 12.7% 5+ unitscondo & apartment buildings (5+ units)
- 4.8% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Delaware’s homes were built
69.7%
of Delaware homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 72 programs here set their income limit as a share of Delaware County’s area median income, adjusted for household size. See the published limits for Delaware County
Free help in DelawareFree help in Delaware
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Delaware County
Delaware’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.PathStone Homebuyer Acquisition Rehabilitation Program (HARP) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Delaware County.
Delaware questions
Can I use a county program anywhere in Delaware?
No program here is listed as covering all of Delaware County. City programs, like Muncie’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Delaware County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Delaware programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Delaware?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Delaware County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.