Habitat for Humanity of Madison County Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Madison County
Buying a home in Lapel, IN
1 county program and 8 statewide.Lapel has no program of its own, 1 across Madison County, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Lapel
No program of Lapel’s own yet
No program run for Lapel alone is listed. A home in Lapel can use Madison County’s programs below, plus the Indiana statewide and federal ones.
The closest city that runs its own program is Muncie, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MadisonAnywhere in Madison County
1 county program1 county program a Lapel homebuyer can use
The Lapel marketThe Lapel housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lapel
- 79.8% single-familysingle-family
- 3.2% townhousetownhouse
- 8.9% 2–4 units2–4 units
- 6.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
About condos. Lapel’s one local program does not list condos as eligible. Habitat for Humanity of Madison County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lapel’s homes were built
pre-19401970s2020+
58.3%
of Lapel 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.
$83,400
County area median income, 4 people (HUD)HUD area median income, Madison County, 4-person household (2026)
$79,778
Lapel median household incomeMedian household income in Lapel (Census, 2024)
13 of the 71 programs here set their income limit as a share of Madison County’s area median income, adjusted for household size. See the published limits for Madison County
Free help nearbyFree help near Lapel
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Lapel’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Madison County Homeownership Program 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.
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Across Indiana and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Lapel questions
Does Lapel have its own down payment program?
No program run for Lapel alone is listed. A home in Lapel can use the 1 program that cover Madison County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lapel?
Lapel’s one local program does not list condos as eligible. Habitat for Humanity of Madison County Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Madison County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Madison County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Lapel?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Lapel. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
46051
Nearby in Madison
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.