First-Time Homebuyer Program

The First-Time Homebuyer Program makes homeownership a reality for area residents with low to moderate level incomes who are first time homebuyers. Through the City of Mishawaka’s Department of Community Development, new homes are constructed in a target neighborhood where they will serve not only to help revitalize that neighborhood, but also to increase the value of the surrounding properties. Approved applicants will receive down payment assistance in the form of a 15-year forgivable loan. Program funding is granted by the United States Department of Housing and Urban Development (HUD), under the Home Investment Partnerships (HOME) Program. 

The First-Time Homebuyer Program will serve low and moderate level income households of diverse racial, ethnic, and familial status. Eligible applicants must have incomes between 65% and 120% of the St. Joseph County area median to participate in the program. For more information regarding program income limits please contact our office.

Prospective applicants will enter the application process where personal financial information will be reviewed to consider potential loan, and program eligibility.  During the formal application process, all income and credit information is reviewed and verified with supportive documentation. Each applicant must be pre-approved for a conventional mortgage from a lender participating in the City of Mishawaka’s First-Time Homebuyer Program before construction on their home will begin.  The approved lending institutions, 1st Source Bank and Mutual Bank, have previously formed a partnership with the City of Mishawaka. The lenders will provide applicants with individual loans that they will own and service

The City currently partners with local builders to build attractive, high quality houses that are designed to blend in to the neighborhood. Each home built through the program includes:

  • 3 bedrooms
  • 1-½ or 2 baths
  • Full basement
  • 1-½ car garage
  • Landscaping
  • Washer, dryer, dishwasher, refrigerator, stove
  • 1,200 square feet

Click the picture or any address below for pictures of houses built for First-Time Homebuyers in 2008 & 2009


1333 E Borely Ave | 1327 E Borely Ave | 1321 E Borely Ave
1315 E Borely Ave | 1026 LWE | 619 E Third St | 316 Grove St

For more information on how to be a part of the First Time Homebuyer program please contact Marilyn Nelums, Program Coordinator, at (574) 258-1668.

Community Development

600 East Third Street

Mishawaka, IN  46544

Email Us

Phone (574) 258-1668

Fax (574) 968-6999


Program Coordinator

Marilyn Nelums-Jones