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Homebuyer Down Payment Assistance

Pathfinder Services HomeOwnership Center’s Homebuyer Down Payment Assistance Program is a partnership between the City of Fort Wayne and Pathfinder Services to help Fort Wayne residents who are considering buying a home and qualify to receive down payment assistance.

Fort Wayne HomeOwnership Down Payment Assistance

Pathfinder Services HomeOwnership Center and the City of Fort Wayne’s Office of Housing & Neighborhood Services are offering a Homebuyer Down Payment Assistance Program for qualifying residents.

Applicants with a household income up to 80 percent of the Area Median Income (AMI) may qualify for the program, which provides forgivable loans up to $8,000 to assist with down payment, closing and pre-paid costs. Recipients are not required to make payments on the loan as long as they live in the home as their primary residence and maintain homeowner’s insurance. For each full year of residency, 20 percent of the loan is forgiven. The loan is fully forgiven after five years of residency.

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Applicant Requirements


Must...


be a first-time homebuyer

complete an eight-hour in-person or online Homebuyer Education class

be purchasing a primary residence

be pre-approved for a fixed rate, fixed term first mortgage

contribute a minimum of $1,000 toward purchase

have cash reserves greater than or equal to one month of proposed mortgage payment
Must not have received an OHNS loan or grant within the past 10 years

Income Limits


Household Size 1 – Maximum Household Income $38,550

Household Size 2 – Maximum Household Income $44,050

Household Size 3 – Maximum Household Income $49,550

Household Size 4 – Maximum Household Income $55,050

Household Size 5 – Maximum Household Income $59,500

Household Size 6 – Maximum Household Income $63,900

Household Size 7 – Maximum Household Income $68,300

Household Size 8 – Maximum Household Income $72,700

Property Requirements


Must...

be located within Fort Wayne city limits

have a purchase price less than or equal to $124,000

be a single family or single condominium dwelling on a fixed foundation

pass the UMSI inspection

pass property environmental review

Transaction Requirements


Purchase agreement must include city approved Environmental Review Addendum & Voluntary Sales Disclosure

Applicant cannot receive cash at closing

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If you are interested in learning more about Pathfinder HomeOwnership Center, please create an account.