Profile picture for EmilieAH

What help is there for 1st time home buyers in Mishawaka, IN? I am need downpayment asst.

  • August 25 2009 - Mishawaka
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Answers (7)

USDA is the only option I know of.   USDA Eligbility  To check to see if your area is in a USDA loan area. 
  • March 15 2011
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Talk to a Realtor about your situation. They will be able to point you in the right direction. Do not give up on getting a mortgage yet
  • March 14 2011
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Profile picture for the_country_hick
Learning to save money by doing without things you would like is the best assistance possible for someone in your position. It will teach the lesson needed for the rest of your life when you own a house and unexpected repairs need to be paid for.
  • December 23 2010
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Profile picture for SteadyState
This should not be taken personally.

Why should there be help for first time home buyers? Such help is tax payer funded and I believe this policy to be misguided. Why are first time home buyers "entitled" to help and not first time renters?
  • December 23 2010
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Profile picture for Mary L. Dale

You can ask for seller assistance as a buyer.  But just know that when you ask a seller for help, there isn't much room for negotiating on the purchase price of the home. 

Also, depending on where you are wanting to puchase a home, you might qualify for a USDA loan.  That loan allow you go purchase a home with 0% down and you might even be able to wrap your closing costs in on the loan if the house appraises.

  • December 23 2010
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Profile picture for vegasmark
How much cash do you have available and what is your credit score?
  • August 25 2009
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You might want to check with a realtor and lender in your area and see if USDA loans are offered. That's one of the few 100% financing options left. FHA has limited downpayment assistance options. A realtor can explore options based on your specific situation.
  • August 25 2009
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