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Get Matched Free →Homebuyer Programs in Jeffersonville, IN (2026)
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 → |
- Type:
- Forgivable Loan
- Amount:
- Up to 6% of the purchase price
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Up to $2,000 per year in federal tax credits
- First-time only:
- Yes
- 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
- 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
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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 → |
- Type:
- Grant
- Amount:
- Up to $4,500 in matched savings (3:1 match on personal savings)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage on a Habitat-built home with zero-interest terms over 25 years
- First-time only:
- No
How to Apply
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.
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.
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.
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.
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.
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.