Indiana mortgage guides
Plain-English articles on Indiana home financing, IHCDA programs, closing costs, and the real numbers that move a deal. Written by Mike Certo, NMLS #260555.
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Down payment assistance ·
Indiana's down payment help is a loan you repay, not a grant. Here is what actually exists in 2026.
IHCDA First Step and Next Home are repayable second mortgages, not grants, and the old H2O grant and First Place program are gone. The real 2026 lineup, explained.
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More Indiana guides are on the way. In the meantime, the first-time buyer guide and the down payment assistance guide cover the essentials.