Deferred second loan
PathStone Homebuyer Acquisition Rehabilitation Program (HARP)
First-time homebuyers · Income limits · Single-family (rehabilitated vacant structures)
Down payment assistance · Delaware County
Buying a home in Muncie, IN
2 Muncie programs and 8 statewide.Muncie 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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Only for Muncie addresses
Muncie’s own programs
Deferred second loan
City of Muncie HOME Down Payment and Closing Cost Assistance
First-time homebuyers · Income limits · single_family
The Muncie marketThe Muncie housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Muncie
- 62.6% single-familysingle-family
- 3.4% townhousetownhouse
- 10.2% 2–4 units2–4 units
- 19.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.9% mobile & othermobile home & other
About condos. None of Muncie’s 2 local and county programs list condos as eligible. PathStone Homebuyer Acquisition Rehabilitation Program (HARP) lists single-family (rehabilitated vacant structures). City of Muncie HOME Down Payment and Closing Cost Assistance lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Muncie’s homes were built
pre-19401970s2020+
71.7%
of Muncie 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.
$79,600
County area median income, 4 people (HUD)HUD area median income, Delaware County, 4-person household (2026)
$44,471
Muncie median household incomeMedian household income in Muncie (Census, 2024)
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 nearbyFree help near Muncie
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Muncie’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.
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Across Indiana and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Muncie questions
Does Muncie have its own down payment program?
Yes, 2: PathStone Homebuyer Acquisition Rehabilitation Program (HARP) and City of Muncie HOME Down Payment and Closing Cost Assistance. Each is for homes inside Muncie.
Can I use assistance on a condo in Muncie?
None of Muncie’s 2 local and county programs list condos as eligible. PathStone Homebuyer Acquisition Rehabilitation Program (HARP) lists single-family (rehabilitated vacant structures). City of Muncie HOME Down Payment and Closing Cost Assistance 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 Delaware County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Delaware 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 Muncie?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Muncie. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
47302 · 47303 · 47304 · 47305 · 47306 · 47307 · 47308
Nearby in Delaware
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.