See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 12, 2026

Homebuyer Programs in Jeffersonville, IN (2026)

Population: 51,000 | Median home price: $250,000 | Est. closing costs: $5,000 - $7,500

Jeffersonville is a growing city of about 51,000 in Clark County, Indiana, situated along the Ohio River directly across from Louisville, Kentucky, making it a popular choice for homebuyers who want Indiana affordability with easy access to a major metro area. With a median home price around $250,000, Jeffersonville offers solid value. The IHCDA First Place Program provides up to 6% of the purchase price as a forgivable loan for first-time buyers, which could mean up to $15,000 on a typical Jeffersonville home. The IHCDA Next Home Program offers up to 3.5% for both first-time and repeat buyers. The IHCDA Mortgage Credit Certificate can save homeowners up to $2,000 per year in federal tax credits. Locally, Community Action of Southern Indiana (CASI) offers an Individual Development Account program that matches personal savings 3-to-1, providing up to $4,500 in matched funds for homebuyers. Habitat for Humanity Clark & Floyd Indiana is also actively building affordable homes in Jeffersonville, including 11 new homes in the Claysburg neighborhood.

State Programs in Indiana

Program Name	Type	Amount	First-Time Only	Details
IHCDA First Place Program	Forgivable Loan	Up to 6% of the purchase price	Yes	View →
IHCDA Mortgage Credit Certificate (MCC)	Tax Credit	Up to $2,000 per year in federal tax credits	Yes	View →
IHCDA Next Home Program	Forgivable Loan	Up to 3.5% of the purchase price (FHA) or 3% (Conventional)	No	View →

IHCDA First Place Program

Type:: Forgivable Loan
Amount:: Up to 6% of the purchase price
First-time only:: Yes

IHCDA Mortgage Credit Certificate (MCC)

Type:: Tax Credit
Amount:: Up to $2,000 per year in federal tax credits
First-time only:: Yes

IHCDA Next Home Program

Type:: Forgivable Loan
Amount:: Up to 3.5% of the purchase price (FHA) or 3% (Conventional)
First-time only:: No

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

Nonprofit Programs

Program Name	Type	Amount	First-Time Only	Details
CASI Individual Development Account (IDA) Program	Grant	Up to $4,500 in matched savings (3:1 match on personal savings)	No	View →
Habitat for Humanity Clark & Floyd Indiana Homeownership	Zero-Interest Loan	Affordable mortgage on a Habitat-built home with zero-interest terms over 25 years	No	View →

CASI Individual Development Account (IDA) Program

Type:: Grant
Amount:: Up to $4,500 in matched savings (3:1 match on personal savings)
First-time only:: No

Habitat for Humanity Clark & Floyd Indiana Homeownership

Type:: Zero-Interest Loan
Amount:: Affordable mortgage on a Habitat-built home with zero-interest terms over 25 years
First-time only:: No

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12 programs available in Jeffersonville. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Review income limits for Clark County under IHCDA programs. The First Place Program requires first-time buyer status, while the Next Home Program is open to repeat buyers. A minimum credit score of 640 is typically required for IHCDA loans. For the CASI IDA program, you must earn less than 175% of the Federal poverty threshold.

Step 2: Complete homebuyer education. IHCDA programs require a HUD-approved homebuyer education course. New Hope Services at 725 Wall Street in Jeffersonville is a HUD-approved counseling agency offering pre-purchase education workshops. Contact them at (812) 288-8248. You can also find courses through Housing4Hoosiers.org.

Step 3: Explore the CASI IDA matched savings program. If you have time to save, Community Action of Southern Indiana offers a matched savings program that provides $3 for every $1 you save, up to $4,500 in matched funds for a home purchase. Contact Marilyn Warren at (812) 288-6451 ext. 2113.

Step 4: Connect with an IHCDA-approved lender. IHCDA down payment assistance is only available through participating lenders. Visit the IHCDA website or call (317) 232-7777 to find an approved lender in the Clark County area.

Step 5: Get pre-approved for a mortgage. Your lender will help determine which combination of programs works best for your situation and how much total assistance you qualify for.

Step 6: Find a home and close. Work with a real estate agent familiar with Jeffersonville and Clark County. The process typically takes 30 to 45 days from accepted offer to closing.

Frequently Asked Questions

How much down payment assistance can I get in Jeffersonville?+

Jeffersonville buyers can access several programs. The IHCDA First Place Program offers up to 6% of the purchase price as a forgivable loan, which on a $250,000 home would be up to $15,000. The IHCDA Next Home Program provides up to 3.5% for FHA loans or 3% for conventional loans. The IHCDA Mortgage Credit Certificate saves up to $2,000 per year in federal tax credits. The CASI IDA program provides up to $4,500 in matched savings for homebuyers. Combining these programs can provide substantial help toward your purchase.

Do I have to be a first-time homebuyer to get assistance in Jeffersonville?+

Not necessarily. The IHCDA First Place Program requires first-time buyer status, meaning you cannot have owned a home in the past three years. However, the IHCDA Next Home Program is available to both first-time and repeat buyers. The CASI IDA matched savings program is also not limited to first-time buyers.

What is the maximum home price I can purchase with assistance?+

Purchase price limits for IHCDA programs vary by county and are updated periodically. For Clark County, check the current limits on the IHCDA website or ask your IHCDA-approved lender for the most up-to-date figures.

What homebuyer education is required?+

IHCDA programs require completion of a HUD-approved homebuyer education course. New Hope Services at 725 Wall Street in Jeffersonville offers pre-purchase homebuyer education workshops as a HUD-approved counseling agency. Contact them at (812) 288-8248. Courses are also available through Housing4Hoosiers.org.

What is the CASI IDA matched savings program?+

Community Action of Southern Indiana (CASI) offers an Individual Development Account (IDA) program where every dollar you save is matched 3-to-1 with state funds, up to $4,500 in total matched funds. Participants must save at least $25 per month, be employed, and earn less than 175% of the Federal poverty threshold. The program includes financial counseling and pre-purchase homeownership coaching. Contact Marilyn Warren at (812) 288-6451 ext. 2113 to get started.

Can I combine multiple programs for more assistance?+

Yes. You can combine the CASI IDA matched savings with an IHCDA program like First Place or Next Home, plus the Mortgage Credit Certificate for ongoing annual tax savings. Federal programs like FHA loans, which require as little as 3.5% down, pair well with these assistance programs. On a $250,000 home, combining First Place (up to $15,000) with CASI IDA savings ($4,500 match) and an MCC could provide over $19,000 in assistance plus annual tax credits.

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