Indiana Housing & Community Development Authority Rehab Loan

Indiana Housing & Community Development Authority (IHCDA)

Available Home Repair

About This Program

Indiana Housing & Community Development Authority Rehab Loan is available to homeowners in Gary, IN.

Low-interest home improvement loan for Indiana homeowners at or below 120% AMI. Offers competitive fixed rates and flexible terms for major repairs, system replacements, and accessibility modifications.

Low-interest loan requiring monthly repayment, exact rate based on credit

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Gary, IN, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest loan up to $25,000
  • Income at or below 120% AMI required
  • Must be owner-occupied in Indiana
  • Competitive fixed interest rates
  • Flexible repayment terms available

How to Apply

Get free help applying Visit Official Program Page Track this program

(317) 232-7777

A grant-savvy contractor in Gary, IN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Gary early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Indiana Housing & Community Development Authority Rehab Loan provide in Gary, IN?

Loan up to $25,000.

Who qualifies for Indiana Housing & Community Development Authority Rehab Loan in Gary?

Indiana Housing & Community Development Authority Rehab Loan is open to homeowners in Gary, IN.

How do I apply for Indiana Housing & Community Development Authority Rehab Loan in Gary, IN?

Apply directly with Indiana Housing & Community Development Authority (IHCDA) using the official program link on this page or call (317) 232-7777. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Gary, IN contractors

Find More Programs in Gary, IN

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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