How To Buy A Home With Zero Down Payment in 2025 | Indiana Real Estate

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Jason A. Justak

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Thinking about buying your first home in Westfield, Carmel, Noblesville, or anywhere in Hamilton County, Indiana? You don’t need to save tens of thousands of dollars for a down payment.

In today’s housing market (mid-2025), the median home price in Westfield is $469,950 and $429,525 in Hamilton County. Most buyers think they need $80K+ saved to get started—but that’s simply not true.

Indiana offers powerful first-time homebuyer programs that can cover your down payment—even bringing it down to ZERO.

In this video, I break down the top Indiana first-time home buyer programs, including:
✅ FHA Loans (as little as 3.5% down)
✅ USDA Loans (0% down in qualifying areas)
✅ VA Loans (0% down for veterans & active military)
✅ IHCDA First Place Program (up to 6% assistance, forgivable)
✅ IHCDA Next Home Program (down payment help for repeat buyers too!)
✅ Mortgage Credit Certificate (MCC) (annual tax credits that put $$ back in your pocket)

These programs are designed to make homeownership in Westfield, Carmel, Noblesville, and all of Hamilton County more affordable—so you can stop renting and start building equity.

**TIMESTAMPS**:
00:00 – Hook: The Down Payment Myth Busted
00:48 – Introduction: Homeownership in Westfield & Hamilton County
02:05 – Federal Loan Options for First-Time Buyers
03:10 – FHA Loans Explained (Low Credit, Low Down Payment)
05:02 – USDA Loans (Zero Down in Surprising Indiana Areas)
07:00 – VA Loans (Best Benefits for Veterans & Military Families)
08:35 – Indiana Housing & Community Development Authority (IHCDA) Programs
09:05 – First Place Program (Up to 6% Assistance, Forgivable Loan)
10:45 – Next Home Program (For Repeat Buyers, Fast Forgiveness)
12:05 – Mortgage Credit Certificate (Annual Tax Savings)
13:10 – Just Ask Justak!
13:35 – Conclusion & Champion’s Final Fact

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