Forgivable loan
Homeownership Assistance Program (Community Homebuyers Corporation)
First-time homebuyers · Income limits · Single-family · Condominium
Down payment assistance · St. Joseph County
Buying a home in South Bend, IN
1 South Bend program, 1 county program and 8 statewide.South Bend has 1 program of its own, 1 more 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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Only for South Bend addresses
South Bend’s own program
Anywhere in St. JosephAnywhere in St. Joseph County
1 county program1 county program a South Bend homebuyer can also use
1 more program is for homes in Mishawaka. See them 1 program in neighboring cities — for homes inside those cities, not South Bend
- Mishawaka — City of Mishawaka Homeownership Down Payment Assistance (HSS-1)
The South Bend marketThe South Bend housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in South Bend
- 71.6% single-familysingle-family
- 3.3% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 17.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
Condos count. 1 of South Bend’s 2 local and county programs accept condos. 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 South Bend’s homes were built
pre-19401970s2020+
78.8%
of South Bend 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)
$55,786
South Bend median household incomeMedian household income in South Bend (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 South Bend
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
South Bend questions
Does South Bend have its own down payment program?
Yes, one: Homeownership Assistance Program (Community Homebuyers Corporation), a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside South Bend.
Can I use assistance on a condo in South Bend?
1 of South Bend’s 2 local and county programs accept condos. 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 South Bend?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of South Bend. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
46601 · 46604 · 46612 · 46613 · 46614 · 46615 · 46616 · 46617 · 46619 · 46620 · 46624 · 46626 · 46628 · 46629 · 46634 · 46635 · 46637 · 46660 · 46680 · 46699
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.