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Down payment assistance income limits in Indiana

44 down payment assistance programs in Indiana publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Indiana county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Indiana
CountyPublished4-person median
Adams2026$82,900
Allen2026$95,100
Bartholomew2026$94,200
Benton2026$100,000
Blackford2026$72,800
Boone2026$110,300
Brown2026$110,300
Carroll2026$87,500
Cass2026$74,500
Clark2026$99,000
Clay2026$71,400
Clinton2026$87,600
Crawford2026$70,700
Daviess2026$91,800
Dearborn2026$109,900
Decatur2026$93,300
Dekalb2026$92,000
Delaware2026$79,600
Dubois2026$96,100
Elkhart2026$89,900
Fayette2026$74,100
Floyd2026$99,000
Fountain2026$75,800
Franklin2026$97,400
Fulton2026$78,700
Gibson2026$92,000
Grant2026$61,800
Greene2026$79,800
Hamilton2026$110,300
Hancock2026$110,300
Harrison2026$99,000
Hendricks2026$110,300
Henry2026$81,300
Howard2026$96,200
Huntington2026$86,600
Jackson2026$93,100
Jasper2026$97,600
Jay2026$75,000
Jefferson2026$83,700
Jennings2026$82,200
Johnson2026$110,300
Knox2026$85,400
Kosciusko2026$92,000
Lagrange2026$97,400
Lake2026$100,900
Laporte2026$89,300
Lawrence2026$90,600
Madison2026$83,400
Marion2026$110,300
Marshall2026$93,300
Martin2026$93,700
Miami2026$75,100
Monroe2026$109,900
Montgomery2026$96,600
Morgan2026$110,300
Newton2026$100,900
Noble2026$86,700
Ohio2026$109,900
Orange2026$90,300
Owen2026$84,000
Parke2026$78,000
Perry2026$82,800
Pike2026$93,400
Porter2026$100,900
Posey2026$93,000
Pulaski2026$84,100
Putnam2026$93,500
Randolph2026$78,100
Ripley2026$91,200
Rush2026$88,200
Saint Joseph2026$88,100
Scott2026$79,600
Shelby2026$110,300
Spencer2026$99,400
Starke2026$78,700
Steuben2026$95,700
Sullivan2026$76,800
Switzerland2026$81,100
Tippecanoe2026$100,000
Tipton2026$90,400
Union2026$98,000
Vanderburgh2026$93,000
Vermillion2026$71,400
Vigo2026$71,400
Wabash2026$89,700
Warren2026$110,900
Warrick2026$93,000
Washington2026$84,000
Wayne2026$70,300
Wells2026$93,000
White2026$86,600
Whitley2026$95,100

Published limits by program

Published income limits and purchase price caps by program in Indiana
ProgramIncome limitPrice cap
Bloomington Down Payment & Closing Cost Assistance ProgramBloomington · Monroe80% of area median incomeHousehold at or below 80% AMI; 4-person limit $86,700 (1-person $60,700 up to 8-person $114,450). Income guidelines subject to change.—
Brightpoint Home AdvantageFort Wayne · Allen120% of area median income120% AMI for Fort Wayne MSA. $73,900 (1-person), $84,500 (2-person). Full table by household size on program page.—
CAPE of Evansville Down Payment Assistance ProgramEvansville · VanderburghSee programLimited to income-eligible participants (low- to moderate-income); CAPE serves households at low-to-moderate income for HOME/CDBG-funded homeownership. Confirm current HUD income limits with CAPE.—
City of Evansville HOME Homebuyer ProgramEvansville · Vanderburgh80% of area median incomeHousehold income may not exceed 80% AMI (Evansville, IN MSA / Vanderburgh County); verified for all members over 18—
City of Fort Wayne Homebuyer Down Payment Assistance ProgramFort Wayne · Allen80% of area median incomeHousehold income up to 80% of area median income (AMI). (City has cited an example 4-person limit; confirm current HUD figure with the city.)—
City of Gary First-Time Homebuyer Down Payment Assistance (Homeownership Opportunity Network)Gary · LakeSee programAnnual household income within program limits (original HON, HOME-based); 2026 ARPA expansion tied eligibility to Qualified Census Tracts and occupation/residency categories.—
City of Mishawaka Homeownership Down Payment Assistance (HSS-1)Mishawaka · St. Joseph80% of area median incomeLow- and moderate-income per HOME/CDBG requirements (at or below 80% AMI)—
City of Muncie HOME Down Payment and Closing Cost AssistanceMuncie · Delaware80% of area median incomeAt or below 80% of Area Median Income per HOME program requirements—
City of New Albany Homeownership Assistance ProgramNew Albany · Floyd120% of area median incomeHousehold income must not exceed 120% of Area Median Income (AMI) per HUD. Published FY25 limits: 1-person $81,150; 2 $92,750; 3 $104,350; 4 $115,900; 5 $125,200; 6 $134,450; 7 $143,750; 8 $153,000. Income verified using Part 5 (Section 8) Income and Asset guidelines.—
Down Payment and Closing Cost Home Ownership ProgramBloomington · Monroe80% of area median incomeHousehold income limits ~80% AMI Monroe County (range $55,650-$104,900 across household sizes per HUD-published limits).—
Down Payment AssistanceIndianapolis · Marion80% of area median incomeHousehold income at/below 80% AMI Marion County (range ~$57,650-$108,650 across household sizes).—
FHLBank Indianapolis Homeownership Opportunities Program (HOP)80% of area median incomeHousehold at or below 80% AMI (HUD limits by property location and family size, per FHLBI Attachment D). 4-person dollar limit varies by county/MSA - not a single statewide figure.—
First StepStatewide · Statewide$156,520Household income limits vary by county and household size per IHCDA's published 2025/2026 charts; top tier ~$89,700-$156,520. Targeted-area limits are higher.$594,770
First Time Homebuyer programEvansville · Vanderburgh80% of area median incomeHousehold income at/below HUD 80% AMI Vanderburgh County (range ~$17,450-$87,650 across household sizes per current HUD limits).$319,000
Greater Indy Habitat for Humanity Homeownership ProgramIndianapolis · MarionSee programIncome guidelines based on household size for Hamilton, Hancock, Hendricks, Marion, and Shelby counties (published in Habitat 101 PDF).—
Habitat for Humanity of Evansville Homeownership ProgramEvansville · Vanderburgh; Posey80% of area median incomeHousehold income must not exceed 80% AMI by household size (and meet a low-income floor). 2026 guidelines Low-High annual: 1p $22,800-$52,100; 2p $26,050-$59,550; 3p $29,300-$67,000; 4p $32,550-$74,400; 5p $35,150-$80,400; 6p $37,750-$86,350; 7p $40,350-$92,300; 8p $42,950-$98,250; 9p $45,550-$104,200; 10p $48,150-$110,150.—
Habitat for Humanity of Greater Fort Wayne Homeownership ProgramFort Wayne · AllenSee programAllen County 2025-26: 1-person $30,000-$53,300; 4-person $33,000-$76,100; 8-person $55,720-$100,500. Upper limit ~80% AMI; minimum income floor also applies.—
Habitat for Humanity of Lafayette Homeownership ProgramLafayette · Tippecanoe80% of area median income40%-80% AMI for Tippecanoe County. 1-person $27,930-$55,800; 4-person $39,870-$79,700; 8-person $52,670-$105,250.—
Habitat for Humanity of Madison County Homeownership ProgramAnderson · Madison80% of area median incomeIncome must fall between 30% and 80% AMI by family size (affiliate guidelines): 1p $14,050-$37,450; 2p $17,420-$42,800; 3p $21,960-$48,150; 4p $26,500-$53,450; 5p $31,040-$57,750; 6p $35,580-$62,050; 7p $40,120-$66,300; 8p $44,100-$70,600. Updated annually.—
Habitat for Humanity of Monroe County Homeownership ProgramBloomington · Monroe80% of area median income35%-80% AMI for Monroe County. 1+ year stable verifiable income required.—
Habitat for Humanity of Northwest Indiana Homeownership ProgramGary · LakeSee program2026 HUD income limits for Lake County (Gary MSA): 1-person $35,350-$56,500; 4-person $50,450-$80,700; 8-person $66,600-$106,550. Both minimum and maximum apply.—
Habitat for Humanity of St. Joseph County Homeownership ProgramMishawaka · St. JosephSee programIncome chart based on household size (specific dollar amounts available at Homeownership Meetings). Must meet income requirements for St. Joseph County.—
Home Down Payment Assistance ProgramMulti-County80% of area median incomeEntire household income at/below 80% AMI of the property county per HUD-published limits (range ~$38,050-$85,700 across counties and household sizes).$80,000
Home Ownership ProgramEast Chicago · LakeSee programIncome limits per HUD-published Lake County, IN annual figures (specific tiers not posted publicly to city site as of April 2026).—
Home Power MortgageMulti-County120% of area median incomeIncome-qualified low-to-moderate income (LMI) — approximately $49,300-$116,900 across household sizes per Edge Fund's published income certification.—
HomeBoost – Down Payment Assistance120% of area median incomeHousehold income at or below 120% of HUD area median income (AMI) for household size and county, at time of enrollment.—
Homebound Downpayment Assistance ProgramHammond · Lake80% of area median incomeHousehold income at/below HUD 80% AMI for Lake County, IN MSA (range ~$50,900-$96,000 across household sizes per current HUD limits).$228,000
Homeownership Assistance Program (Community Homebuyers Corporation)South Bend · St. Joseph80% of area median incomeHousehold income may not exceed 80% of area median income adjusted for household size (CHC 2025 income eligibility chart).$175,000
Hoosier HomesStatewide · Statewide140% of area median incomeHousehold income up to 140% of approved Indiana county median (range ~$60,320-$144,060 across counties and household sizes).$300,000
HOPE of Evansville Homebuyer Down Payment Assistance ProgramEvansville · VanderburghSee programClients must meet HUD-published income eligibility guidelines (by household size) provided with the application; HOPE references being below 80% AMI for Vanderburgh County. All household income and assets verified via third-party documentation.$219,000
INHP Down Payment AssistanceIndianapolis · Marion120% of area median incomeBased on HUD Marion County 2026 median income limits, effective June 1, 2026; eligibility chart published up to 120% AMI by household size.—
Lacasa Homeownership Assistance Program (Goshen & Elkhart)Goshen · Elkhart$71,9002026 annual household income limits: 1-person $50,350; 2 $57,550; 3 $64,750; 4 $71,900; 5 $77,700; 6 $83,450; 7 $89,200; 8 $94,950—
Lake County Homebuyers Assistance ProgramLake80% of area median incomeHousehold income must not exceed the 80% moderate-income limit for Lake County as established by HUD (e.g., per the brochure: $50,050 for 1 person, $57,200 for 2, $64,350 for 3, $71,450 for 4, up to $94,350 for 8+).$223,000
Launch – Down Payment Assistance80% of area median incomeHousehold income at or below 80% of HUD area median income (AMI) for household size and the county where the property is located, at the time of enrollment.—
Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus)Columbus · Bartholomew80% of area median incomeHousehold income at or below 80% of Bartholomew County AMI (HUD). Columbus, IN limits: 1-person $52,450; 2 $59,950; 3 $67,450; 4 $74,900; 5 $80,900; 6 $86,900; 7 $92,900; 8 $98,900—
Mortgage Credit Certificate (MCC)See programCounty- and household-size-based income limits per IHCDA Income and Acquisition Limits tables (separate Targeted vs Non-Targeted limits).—
Next HomeStatewide · Statewide$156,520Household income limits vary by county and household size per IHCDA's published 2025/2026 charts; top tier ~$89,700-$156,520.$594,770
Old National Bank Down Payment Assistance Program (Indiana)Indianapolis · Allen; MarionSee programIncome restrictions apply (varies by program/property; HomeReady income limits apply for HomeReady pairing)—
Pathfinder Services HomeOwnership Center - First-Time Homebuyer and IDA ProgramsHuntington · HuntingtonSee programIDA: below 200% Federal Poverty Guidelines or TANF recipient. USDA Direct: very low to low income. USDA Guaranteed: low to moderate income.—
PathStone Homebuyer Acquisition Rehabilitation Program (HARP)Muncie · DelawareSee programIncome limits apply per PathStone HARP grant guidelines (not published as a single primary table).—
Shared Equity Homeownership ProgramBloomington · Monroe140% of area median incomeHousehold income limits up to ~140% AMI Monroe County (range $83,520-$157,320 across household sizes).—
Step DownStatewide · Statewide$156,520Household income limits vary by county and household size per IHCDA's published 2025/2026 charts; top tier ~$89,700-$156,520.$594,770
United Way of the Wabash Valley Home Down Payment Assistance ProgramTerre Haute · Vigo80% of area median incomeEntire household income must be under 80% of the county's Area Median Income (HUD limits); proof of income required—
Wabash Valley Habitat for Humanity Homeownership ProgramTerre Haute · Vigo$59,600Gross annual household income within Habitat guidelines by household size: 2p $30,000-$47,700; 3p $30,000-$53,650; 4p $30,000-$59,600. General range advertised as $30,000-$56,000.—

Questions, answered

What are the income limits for down payment assistance in Indiana?

44 down payment assistance programs in Indiana publish an income limit, a purchase price cap, or both. 27 express the limit as a percentage of the area median income for the county where the home is, and 18 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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