Habitat for Humanity of St. Joseph County Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · St. Joseph County
Buying a home in Osceola, IN
1 county program and 8 statewide.Osceola has no program of its own, 1 across St. Joseph 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 Osceola
No program of Osceola’s own yet
No program run for Osceola alone is listed. A home in Osceola can use St. Joseph County’s programs below, plus the Indiana statewide and federal ones.
The closest city that runs its own program is Mishawaka, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in St. JosephAnywhere in St. Joseph County
1 county program1 county program a Osceola homebuyer can use
2 more programs are for homes in Mishawaka and South Bend. See them 2 programs in neighboring cities — for homes inside those cities, not Osceola
- Mishawaka — City of Mishawaka Homeownership Down Payment Assistance (HSS-1)
- South Bend — Homeownership Assistance Program (Community Homebuyers Corporation)
The Osceola marketThe Osceola housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Osceola
- 98.8% single-familysingle-family
- 0% townhousetownhouse
- 1.2% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Osceola’s one local program does not list condos as eligible. 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 Osceola’s homes were built
pre-19401970s2020+
71.3%
of Osceola 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)
$66,503
Osceola median household incomeMedian household income in Osceola (Census, 2024)
12 of the 71 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 Osceola
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
Osceola’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
Osceola questions
Does Osceola have its own down payment program?
No program run for Osceola alone is listed. A home in Osceola can use the 1 program that cover St. Joseph County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Osceola?
Osceola’s one local program does not list condos as eligible. 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. 12 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 Osceola?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Osceola. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
46561
Nearby in St. Joseph
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.