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LaCasa Inc.

Help-A-House House Repair & Energy Efficiency

Available in the City of Goshen only: https://lacasainc.net/programs/help-a-house/

Please call (574) 533-4450 for hours of operation.
Housing Assistance

Habitat for Humanity of NWI

Home Ownership Program

Habitat for Humanity of Northwest Indiana help families earning between 30 to 80% of the average income level, demonstrate a need for a home and agree to complete 300 hours of volunteer time which includes construction of their home, and are responsible for a 0% interest monthly mortgage payment and home maintenance. Through the homeownership education program and financial counseling, Habitat partner families are given the tools to be successful in this life changing opportunity. More information at nwihabitat.org/home-ownership or call our Family Services Coordinator 219-923-7265

Please call (219) 923-7265 for hours of operation.
Housing Assistance

Indiana Housing & Community Development Authority (IHCDA)

Nonprofit
Homebuyer Resources

FIRST PLACE (FP) Down Payment Assistance (DPA) of 6.0% Based on the purchase price, Not to exceed the appraised value. Must be a first-time homebuyer, unless: The subject property is located in a qualified census tract, The borrower is a veteran, FHA, 30-year fixed loan, Minimum FICO credit score of 640 with a DTI of less than 45.00%, Minimum FICO credit score of 680 with DTI greater than 45.00%, but less than 50.00%, For detailed information, click here: First Place (FP) Program Guide - updated January 26, 2021 https://www.in.gov/ihcda/files/FP-Program-Guide-1.26.20.pdf

Please call for hours of operation.
Housing Assistance

First Merchants Bank

Business
Homebuyer Resources

Next Horizons Mortgage: --Up to 100% and up to $7,500 First Merchants Bank grant for Down Payment and/or Closing Cost Assistance. --Total Debt/Income ratios of 47%. Flyer: https://drive.google.com/file/d/1JNZyRxCo6BdOnv_Dhog_D1jSAMCy62iu/view?usp=sharing - Wesbite https://www.firstmerchants.com/personal-banking/borrowing/mortgage/next-horizons-mortgage

Please call (765) 747-1300 for hours of operation.
Housing Assistance

First Savings Bank of Hegewisch

Business
Homebuyer Resources

Resilient Communities Loan Program https://drive.google.com/file/d/1vsQH4RhhIk53EPqxT2hwgyPqBjYKz-15/view?usp=sharing For Homes in Gary, Hammond & East Chicago -- free credit counseling provided, $1000 down payment assistance provided by the bank.

Please call (773) 646-4200 for hours of operation.
Housing Assistance

BMO Harris Bank

Business
Homebuyer Resources

https://drive.google.com/file/d/1C4lW3m3mOqb9ycA9s7ZjEcokJeRnfUPK/view?usp=sharing WEBSITE- https://www.bmoharris.com/main/personal/mortgages/low-down-payment-mortgages/ STEPS TO HOMEOWNERSHIP https://www.bmoharris.com/pdf/mortgage/steps-to-homeownership.pdf Did you know??? ? You DO NOT need 20% in down payment to buy a home. ? You need as little as $1,500 from your own funds. ? You could get up to $9,000 (or more) to help with down payment or closing costs. ? Roughly 80-90% of homebuyers eligible for these programs don’t know they exist! ? Attend one of our free homebuyer education classes. Please feel free to contact me Loretta.Minor@bmo.com / 312-237-5532

Please call (312) 237-5532 for hours of operation.
Housing Assistance

First Financial Bank

Please call (219) 227-3280 for hours of operation.
Housing Assistance

Old National Bancorp

Please call 1 (800) 731-2265 for hours of operation.
Housing Assistance

Indiana Housing & Community Development Authority (IHCDA)

Nonprofit
Homebuyer Resources

NEXT HOME (NH) Down Payment Assistance (DPA) of 3.50% Based on the purchase price. Not to exceed the appraised value. Can be combined with the Mortgage Credit Certificate (MCC). FHA 30-year fixed loan, Minimum FICO credit score of 640 with a debt-to-income ratio of less than 45%, Minimum FICO credit score of 680 with debt-to-income ratio greater than 45%, but less than 50% For detailed information, click here: First Place (FP) Program Guide - updated January 26, 2021 https://www.in.gov/ihcda/files/Next-Home-1.26.21.pdf

Please call for hours of operation.
Housing Assistance

Indiana Housing & Community Development Authority (IHCDA)

Nonprofit
Homebuyer Resources

MORTGAGE CREDIT CERTIFICATE (MCC) Is a Federal income tax credit, and can assist the borrower in: Reducing their federal income tax liability, Increasing their qualifying income, Must be a first-time homebuyer, unless: The subject property is located in a qualified census tract, The borrower is a qualified veteran, Can be combined with the Next Home Program, Can be used with Ginnie, Fannie, or Freddie financing For detailed information, click here: MCC Program Guide - updated December 16, 2020 https://www.in.gov/ihcda/files/MCC-PROGRAM-GUIDE-12.16.20.pdf

Please call for hours of operation.
Housing Assistance

Lake County Economic Development Department

Government
Homebuyer Resources

Up to $5,000 in down payment assistance. https://lakecountyin.org/departments/economic-devl/housing-assistance-programs

Please call (219) 755-3000 for hours of operation.
Housing Assistance

Salvation Army Retail Store - Merrillville

Nonprofit
Household Needs

Store open from 10:00am-6:00pm

Please call (219) 736-6240 for hours of operation.
Housing Assistance

Starke/Pulaski Habitat for Humanity

Nonprofit
Housing Assistance

Habitat for Humanity is a nonprofit organization that helps families build and improve places to call home. We believe affordable housing plays a critical role in strong and stable communities.

Please call (574) 896-2811 for hours of operation.
Housing Assistance

Calumet Township Trustee

Government
Housing Assistance

Housing assistance for rent or mortgage can be provided if applicants meet the eligibility requirements. Shelter space may also be available depending on eligibility. Verification is required.

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Housing Assistance

Society of St. Vincent de Paul, District Council of Gary

Church
Housing Assistance

The SVDP District Council phone takes messages 24/7. Volunteers come in 3 days a week to catch up on calls. Leave your name and phone number on the answering machine and someone will contact you ASAP.

Please call (219) 845-7531 for hours of operation.
Housing Assistance

Society of St. Vincent de Paul - St. Bridget

Church
Housing Assistance

Please call (219) 942-6441 for hours of operation.
Housing Assistance

Society of St. Vincent de Paul - St. John the Evangelist

Church
Housing Assistance

Please call (219) 323-5205 for hours of operation.
Housing Assistance

City of Hammond

Government
Housing Assistance

Applicants may receive up to $2,500.00 to assist with their down payment, on an existing new home, $3,500.00 for Hammond Police, Fire, or Educational professionals, and $5,000.00 on new construction. You must be a first time homebuyer or have not owned a home in the past 12 months. There are income restrictions. The house you are purchasing must be your principal residence. Please call the Hammond Redevelopment Department at 853-6371 for more information or to see if you will qualify.

Please call (219) 853-6300 for hours of operation.
Housing Assistance

Gary Housing Authority

Government
Housing Assistance

The Gary Housing Authority is the largest provider of affordable housing in the City of Gary. The Authority has an unparalleled commitment to redeveloping and managing its housing stock to provide low-income families, the elderly and disabled individuals with access to quality, sustainable housing that improves the quality of their lives, fosters their economic success, and allows them to serve as integral members of communities in which they live.

Please call (219) 881-6400 for hours of operation.
Housing Assistance

Hammond Housing Authority

Government
Housing Assistance

The HHA provides homes for low-income families and individuals. Those who meet income requirements are selected in accordance with the Hammond Housing Authority Occupancy Policy.

Please call (219) 989-3265 for hours of operation.
Housing Assistance

Northwest Indiana Community Action

Nonprofit
Housing Choice Voucher Program

http://www.nwi-ca.com/families/housing.html

Please call (219) 794-1829 for hours of operation.
Housing Assistance

Community Services of Starke County

Nonprofit
Housing Lists

We have subsidized apartment lists we distribute. We no longer take Section 8 housing pre-applications.

Please call (574) 772-7070 for hours of operation.
Housing Assistance

Housing Opportunities

Nonprofit
Housing Programs

Programs that resolve and prevent homelessness for adults, children, and seniors in Porter and LaPorte counties. Visit www.hoi.help for more info

Please call (219) 548-2800 for hours of operation.
Housing Assistance

Salvation Army Gary-Merrillville

Mortgage/Rent Assistance

To keep our clients, staff, and volunteers safe, and in accordance with city and state guidelines, programs and services at The Salvation Army Gary-Merrillville Corps Community Center are modified until further notice. For the most up-to-date information, please contact us at 219-887-6588.

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Housing Assistance

Society of St. Vincent de Paul - Holy Spirit Conference

Mortgages/Rent/Temporary Lodging

Holy Spirit SVDP - Winfield Clients requesting emergency financial assistance for housing must call to request help; a billing statement/lease must be provided, either by fax or email. The Landlord must be on the Approved Landlord list and has submitted a W-9 Federal Form to our office to receive payment.

M, T, TH Office Hours & Food Pantry
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Housing Assistance

Habitat for Humanity of Porter County

Nonprofit
New home construction

To learn more about the Habitat home ownership program or to find the date of the next home ownership fair, contact our home ownership coordinator at beth@portercountyhabitat.org

Please call (219) 531-0359 for hours of operation.
Housing Assistance

Catholic Charities of Gary

Nonprofit
Rent Assistance

COVID-19 Rental/Mortgage Assistance-Requirements -- Must have ALL 7 of the following documents to be considered for assistance: 1.Valid Indiana Photo ID (Driver’s License or State I.D.) 2. Current lease or current mortgage statement -- Lease must be for current year or mortgage statement must be dated in the last 30 days. 3. Warning Notice/Eviction Notice/Default letter-IF APPLICABLE *Renters: Copy of the 10 day to quit, or-warning notice, or eviction notice from landlord (must list your name, the amount owed, and the intended action) *Mortgage holder: copy of default letter, showing you are behind in your mortgage payments. 4. Proof of Residency (must provide ONE of the following documents with name and current address:) *A current utility bill dated in the last 30 days *A Hospital/Doctor’s bill dated in the last 30 days *A U.S. Mailed letter from a local, state or federal agency dated in the last 30 days 5. Proof of ALL Income and Benefits *Must provide documentation If you receive: Food Stamps/TANF, Supplemental Security Income (SSI/SSD/SSA), Child Support, Worker’s Disability or any other forms of benefits/income. *Paycheck stubs for the last 30 days 6. Proof-that household is affected due to COVID-19 Pandemic. *Must provide documentation from employer of layoff, reduction in hours etc. Documentation MUST be dated from March 2020 to present. *Must provide closure of childcare facility due to COVID-19 (if applicable) Documentation MUST be dated from March 2020 to present. 7. Proof of household members *If there are children in the household must show social security cards, current tax returns (1040 (not the W2’s) *All adult members of the household-must have valid I.D. and if a renter must have name listed on the lease as an occupant.

Open Mon-Fri, closed for all major holidays
Housing Assistance

St. John Township Trustee's Office

Government
Rent/Mortgage

We provide the following to qualifying residents of St. John Township (Dyer, Schererville, & St. John; including some unincorporated areas)

M-F Closed all major holidays
M-F Close all major holidays
Housing Assistance

Salvation Army Hammond / Munster

Rent/Mortgage Payment

Clients can receive emergency financial assistance for a month's rent or mortgage payment if funding is available. Please call our office for needed documents. 219-838-0380

Monday - Friday
Housing Assistance

Salvation Army East Chicago Corps & Community Center

Nonprofit
Rental Assistance

The Salvation Army provides emergency assistance to help with mortgage/rent, utility bills, clothing, medication bills, and other needs in order to keep families in their homes. For more information or support: contact our Corps Community Center at 219-398-2939, Monday- Thursday 9:00 a.m. - 2:00 p.m, Friday 9:00 a.m. - 12:00 p.m.

Monday to Friday
Monday to Friday
Housing Assistance

Porter County Aging and Community Services - PCACS

Nonprofit
Section 8

Porter County Aging and Community Services administers the Housing Choice Voucher Program, also known as the Section 8 Housing Program, for Porter County. This program allows low-income families to acquire adequate housing. Call 219-464-9904 for assistance with this program and to discuss eligibility requirements. Valerie is available via phone or email and paperwork can be left at the drop-box at the PCACS offices to limit contact and provide a safe way to continue the program.

Please call (219) 464-9736 for hours of operation.
Housing Assistance

Continuum of Care Network of NWI

TBRA

TBRA Program Tenant-based rental assistance (TBRA) is a rental subsidy that eligible households can receive to help afford housing costs such as rent and security deposits. The TBRA program at this time can not assist participants with utility deposits or utility payments. TBRA Program Information Project Specific Requirements - The applicant must be a resident who currently resides in the City of Gary. The applicant must be a family or individual who has critical and/or emergency housing needs, and falls into the very-low (50%) median income limit. What is considered critical or emergency housing needs; an individual or family that meets at least two (2) of the following risk factors: 1. Mental health and substance abuse issues; 2. Physical disabilities and other chronic health issues, including HIV/AIDS; 3. Young head of household (under 25 with children or pregnant); 4. Extremely low income (less than 30 percent of Area Median Income); 5. Significant amount of medical debt; 6. Sudden and significant loss of income. Lake County, IN 2019 AMI Area Median Income 0%-30% Income Limits Annual Household Size Household Income 1 $15,300 2 $17,500 3 $21,330 4 $25,750 5 $30,170 6 $34,590 7 $39,010 To find out more copy and paste the following link: https://cocofnwi.org/services

Housing Assistance

Gabriel's Horn

Nonprofit
Women & Children Shelter

Counseling, case management, transportation, and more

Please call (219) 364-8018 for hours of operation.
Housing Assistance