Deferred second loan
City of Mishawaka Homeownership Down Payment Assistance (HSS-1)
First-time homebuyers · Income limits · single_family
Down payment assistance · St. Joseph County
Buying a home in Mishawaka, IN
2 Mishawaka programs and 8 statewide.Mishawaka has 2 programs of its own, 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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Mishawaka’s own programs
First mortgage
Habitat for Humanity of St. Joseph County Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in South Bend. See them 1 program in neighboring cities — for homes inside those cities, not Mishawaka
- South Bend — Homeownership Assistance Program (Community Homebuyers Corporation)
The Mishawaka marketThe Mishawaka housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Mishawaka
- 49.5% single-familysingle-family
- 6.2% townhousetownhouse
- 8.7% 2–4 units2–4 units
- 31.6% 5+ unitscondo & apartment buildings (5+ units)
- 4.1% mobile & othermobile home & other
About condos. None of Mishawaka’s 2 local and county programs list condos as eligible. City of Mishawaka Homeownership Down Payment Assistance (HSS-1) lists single_family. Habitat for Humanity of St. Joseph County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mishawaka’s homes were built
pre-19401970s2020+
57.1%
of Mishawaka 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.
$88,100
County area median income, 4 people (HUD)HUD area median income, St. Joseph County, 4-person household (2026)
$54,291
Mishawaka median household incomeMedian household income in Mishawaka (Census, 2024)
13 of the 72 programs here set their income limit as a share of St. Joseph County’s area median income, adjusted for household size. See the published limits for St. Joseph County
Free help nearbyFree help near Mishawaka
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Mishawaka’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 St. Joseph 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
Mishawaka questions
Does Mishawaka have its own down payment program?
Yes, 2: City of Mishawaka Homeownership Down Payment Assistance (HSS-1) and Habitat for Humanity of St. Joseph County Homeownership Program. Each is for homes inside Mishawaka.
Can I use assistance on a condo in Mishawaka?
None of Mishawaka’s 2 local and county programs list condos as eligible. City of Mishawaka Homeownership Down Payment Assistance (HSS-1) lists single_family. Habitat for Humanity of St. Joseph 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 St. Joseph County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for St. Joseph 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 Mishawaka?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Mishawaka. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
46544 · 46545 · 46546
Nearby in St. Joseph
Sources
Sources: agency sites (June–August 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–August 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.