30 South Meridian Street, Suite 900

Indianapolis, Indiana 46204

www.in.gov/ihcda and www.in.gov/myihcda

Indiana Homeowner Assistance Fund

Mortgage Assistance Program 
1

Table of Contents

Introduction..........................................................................................................................................................2

Homeowner Needs and Engagement ...................................................................................................2

Data Driven Assessment of Homeowner Needs .............................................................................2

Public Participation and Community Engagement..........................................................................9

Program Design.............................................................................................................................................. 10

Use of Funds.................................................................................................................................................. 10

Targeted Population ................................................................................................................................... 10

Homeowner Eligibility Requirements.................................................................................................. 10

Income Eligibility Requirements............................................................................................................ 11

Intended Impact............................................................................................................................................ 12

Application Process .................................................................................................................................... 12

Conditions or Limitations.......................................................................................................................... 12

Payment Process......................................................................................................................................... 13

Other Available Sources of Assistance............................................................................................. 13

Targeted Homeowners................................................................................................................................ 14

Best Practices & Coordination with Other HAF Participants.............................................. 15

Best Practices & Previous Program Experience........................................................................... 15

Coordination with Other HAF Participants and Servicers......................................................... 16

Coordination with Other Federal Agencies...................................................................................... 16

Performance Goals ....................................................................................................................................... 16

Readiness........................................................................................................................................................... 17

Staffing & Systems / Contracts & Partnerships / Existing Programs .................................. 17

Pilot Program ................................................................................................................................................. 17

Budget................................................................................................................................................................... 17
2

Introduction

The Homeowner Assistance Fund (“Treasury HAF”) was established under Section 3206 

of the American Rescue Plan Act of 2021 (“the ARP”) to mitigate financial hardships 

associated with the coronavirus pandemic by providing funds to eligible entities for the 

purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss 

of utilities or home energy services, and displacements of homeowners experiencing 

financial hardship after January 21, 2020 through qualified expenses related to mortgages

and housing. 

Indiana’s Homeowner Assistance Fund (“IHAF”) administered by the Indiana Housing and 

Community Development Authority (“IHCDA”) will offer a Mortgage Assistance Program 

(“MAP”) to qualifying homeowners who have experienced a financial hardship associated 

with the coronavirus pandemic. 

Homeowner Needs and Engagement

Data Driven Assessment of Homeowner Needs

The effects of the COVID-19 pandemic can be seen across the country and Indiana is no 

exception. The economic impact of COVID-19 can be measured in increased debt, lost 

jobs, reduced wages, increased cost burdens, and overdue utility bills. No county in the 

state was spared. The data clearly establishes that there are Hoosiers in need all across 

the state from the cities of Northwest Indiana to the rural towns and farms of Southern 

Indiana.

According to the Urban Institute, there are counties in Indiana where as much as 42% of 

the population currently has debt in collection. For the entire state, approximately 31% of 

the population has debt currently in collection. The number is even higher for communities 

of color – 52%.1 Indiana’s statewide forbearance rate is 3.9% and its statewide 

delinquency rate is 2.5%. Those percentages are even higher in low-income and high 

minority areas of the state2. Additionally, data provided by the Federal Reserve Bank of 

Atlanta utilizing Black Knight’s McDash Flash daily mortgage performance data shows 

delinquency rates in Indiana counties as high as 7% with forbearance rates exceeding 

10%.3

1 Urban Institute, “Debt in America: An Interactive Map”, Mar 31, 2021 https://apps.urban.org/features/debtinteractive-map/?type=overall&variable=pct_debt_collections 2 Federal Reserve Bank Mortgage Dashboard data provided by Treasury to State of Indiana, June 11, 2021

3 Atlanta Fed calculations using Black Knight’s McDash Flash daily mortgage performance data (available with 

a two-day lag), U.S. Census Bureau 2017 FIPS Codes
3

Each group in a Box and Whisker plot is divided into four sections: the “box” that is split into two parts, and thin T-shaped 

projections on each end (the “whiskers”). The bottom whisker is called the “Local Minimum.” Above the whisker is the bottom 

of the box, denoting the “first quartile.” Values between the end of the whisker and the bottom of the box form the lowest quarter

(lower 25%) of values in the data set. The range from the bottom of the box (or first quartile) to the midline inside the box (the

median) contains the next 25%. Similarly, the range from the midline to the top of the box (the third quartile) represents 

another 25 percent, and the distance between the top of the box and the end of the second whisker, barring any outliers, 

contains the final top 25. The average of all values is represented by an “X”. Outliers are displayed as values beyond the end of 

each whisker. These charts were created using county-level data. 

Atlanta Fed calculations using Black Knight’s McDash Flash daily mortgage performance data (available with a two-day lag), 

U.S. Census Bureau 2017 FIPS Codes
4

The pandemic impacted Indiana’s job market as well. In March 2020, the state’s 

unemployment rate was 4%. By April 2020 it had jumped to 12%. The state’s 

unemployment rate would remain far above pre-pandemic levels for months.4 While the 

state’s unemployment rate has begun to return to pre-pandemic levels there are still many 

Hoosiers that remain unemployed.

Indiana’s Monthly Unemployment Rate January 2020 – June 2021

http://www.stats.indiana.edu/laus/laus_view1.html

The pandemic has also exacerbated Indiana’s preexisting problems with cost burden and 

as a result even more Hoosier households must dedicate a significant portion of their 

income to rising housing costs. Over 280,000 people in Indiana could be classified as 

“cost-burdened” or “severely cost-burdened”. HUD defines a family as cost-burdened if 

they pay more than 30 percent but less than 50 percent of their income for housing. A 

family is considered “severely cost-burdened” if they pay more than 50 percent of their 

income for housing. The percentage of households in Indiana counties qualifying as costburdened and severely cost-burdened ranges from 10% to over 25%. Counties with a 

high percentage of homeowners that are cost-burdened often have a large population of 

homeowners with income levels at or below 100% AMI. In total, there are over 725,000 

Hoosiers at or below 100% AMI. 5 

4 Labor Force Overview (NSA): STATS Indiana, http://www.stats.indiana.edu/laus/laus_view1.html

5 Comprehensive Housing Affordability Strategy (CHAS) 2013-2017, 

https://www.huduser.gov/portal/datasets/cp.html

4% 3% 4%

12% 12%

10%

9%

7%

6%

5% 5% 4% 5% 5% 5% 4% 5% 5%

Indiana Monthly Unemployment Rate
5

Finally, a study of Indiana households by the O’Neill School of Public and Environmental 

Affairs at Indiana University attempted to measure the pandemics impact on energy 

insecurity in Indiana. The study was administered from April 30th 2020 through June 2nd

2020. Among the key findings were the following: 

• 15% of Indiana households could not pay an energy bill during the prior month, 13% 

received a shutoff notice, and 4% had their service disconnected.

• 30% of Indiana households indicated they had to reduce or forgo expenses for basic

household needs in order to pay energy bills 

• Household that were unable to pay their energy bill in the previous month were more 

likely to be at or below the poverty line, people of color, [. . .] and in households 

where someone either lost their job or had their hours reduced since the COVID-19 

pandemic

Additionally, the study found that 11% of the respondents had lost their jobs, 13% had 

their hours reduced, and 7% had been furloughed without pay. Over 15% of respondents 

indicated that they were not paying their rent or mortgage at all and an additional 10% 

said they were only making partial payments.6

In order to identify the areas in greatest needs, IHCDA developed a ranking method that 

incorporated many of the factors discussed above for all 92 counties. IHCDA categorized 

these metrics into four categories: Eligible Homeowners, Socially Disadvantaged 

Individuals, Economic Distress, and Housing Distress. These categories and measures

are listed in Table 1 below. 

Table 1

Weight Measure Data Source

30% Eligible Homeowners

Households Earning Less Than or Equal to 100% AMI CHAS 2013 - 2017

Percent of Cost-Burdened and Severely Cost-Burdened 

Households

CHAS 2013 - 2017

35% Socially Disadvantaged Individuals

Percent of Nonwhite Homeowners ACS 2015 – 2019

Social Vulnerability Percentile Rank CDC SVI 2018

6 David Konisky and Sanya Carley, Survey of Household Energy Insecurity in Indiana in Time of COVID, June 30, 

2020 https://energyjustice.indiana.edu/doc/06302020-indiana-wave.pdf
6

10% Economic Distress

Unemployment Rate for June 20217 STATSIndiana

25% Housing Distress

Non-forborne Delinquency Rate MAPD data for 

Indiana using Black 

Knight data8

Forbearance Rate MAPD data for 

Indiana using Black 

Knight data9

For each of the seven measures shown in Table 1, individual percentages or percentiles, 

as appropriate, were calculated for each Indiana county. Except for the Housing Distress 

measures, data values existed for each county. For the Housing Distress measures, data 

was unavailable for six counties. For those counties, the overall average of the 

delinquency and forbearance values from the other 86 counties was used. For all 

measures, higher values represent an undesirable situation compared to lower values.

For each Indicator in Table 1 containing more than one measure, a composite measure 

was calculated for that Indicator using the geometric mean of the individual measures. 

The geometric mean is commonly used when combining measures of different 

magnitude; when the measures are similar in magnitude, the geometric mean will closely 

approximate the average of the individual measures.

IHCDA recognizes that the four Indicators should have varying degrees of influence on 

the final ranking of the counties. The weights shown in Table 1 were chosen so that SDI 

would have the greatest influence, followed by Eligible Homeowners, Housing Distress, 

and Economic Distress.

These weights were then applied to the three composite measures and the single 

Economic Distress measure. The resulting weighted value represents each county’s 

overall ranking. The histogram of these ranks, presented below, show them to be 

reasonably bell shaped, with just a few counties exhibiting the highest rankings. These 

higher-ranking counties will be further evaluated as potential beneficiaries for this 

program.

7 Most recent data available at time of submission

8 Atlanta Fed calculations using Black Knight’s McDash Flash daily mortgage performance data (available with 

a two-day lag), U.S. Census Bureau 2017 FIPS Codes 9 Id.
7

A full list of the overall rankings is located in Appendix A. A county map reflecting these 

overall rankings can be found below: 
8

Higher values represent an undesirable situation compared to lower values.
9

Public Participation and Community Engagement 

On June 11th, 2021, IHCDA released an IHAF Program Design Survey to the public. This 

survey was distributed via various IHCDA newsletters and mailing lists, including IHCDA’s 

Executive Director’s weekly newsletter. The survey was also posted on social media and 

existing IHCDA websites. In total, the survey was distributed to a network of over 20,000 

individuals. IHCDA received over 130 responses. These responses have been reviewed 

and the input provided was utilized during the IHAF program design process.

IHCDA continues to reach out to local organizations including groups the agency has 

preexisting relationships with via IHCDA’s existing Hardest Hit Fund (HHF) program. 

These organizations have been included in program design discussions and will also be 

utilized in spreading the word about the program throughout the communities that they 

serve.

IHCDA is also a member of the Indiana Foreclosure Prevention Network (IFPN). The 

IFPN was developed by a coalition of community organizations, housing-related 

agencies, government agencies, lenders, and banks to assist Indiana homeowners who 

are struggling with — or who are at risk of — mortgage delinquency and foreclosure.

IHCDA is utilizing the existing relationships and knowledge base of this coalition to inform 

its program design decisions.

Additionally, in June IFPN’s primary website dedicated to homeowner assistance, and the 

website used as the public face of IHCDA’s HHF and other homeownership programs,

877GetHope.org, was updated to include a brief description of the IHAF program. 

Homeowners were provided a link which they could use to submit their email to be notified 

when the IHAF program launches. IHCDA is using this list to gauge program interest and 

identify areas with high need. All eligible homeowners on this list will be contacted as part 

of IHAF’s initial launch.

IHCDA also presented its proposed IHAF program model to its Board of Directors at its 

regular meeting on June 24th, 2021. This virtual meeting was open to the public.

Due to the limited time until the plan due date, IHCDA intends to continue holding

stakeholder meetings over the next several months to refine our implementation 

processes and ensure we are reaching the right customers with this program. Potential 

focuses for these stakeholder meetings include other government agencies, mortgage 

lenders and servicers, community and neighborhood organizations, religious 

organizations, legal service providers, and utility providers. 
10

Program Design

Use of Funds

IHCDA intends to use HAF funds for the following purposes: 

• Monthly Assistance: For qualifying homeowners whose monthly mortgage 

payments are unaffordable based on their current household income, IHCDA may 

provide temporary monthly assistance to cover the homeowner’s first mortgage 

payment and related expenses.

• Monthly Assistance with Reinstatement: For qualifying homeowners whose 

financial hardship caused, or contributed to, an accumulated mortgage 

delinquency (including lender forbearance) that they cannot pay, and whose 

mortgage payments or related expenses are unaffordable based on their current 

household income, IHCDA may provide assistance to bring the homeowner’s 

mortgage current, followed by temporary monthly assistance to cover the 

homeowner’s first mortgage payment or related expenses.

• Reinstatement Only Assistance: For qualifying homeowners whose financial 

hardship caused, or contributed to, an accumulated mortgage delinquency 

(including lender forbearance) that they cannot pay, but whose monthly mortgage 

payment is otherwise affordable based on the homeowner’s current monthly 

household income (excluding unemployment insurance benefits), IHCDA may 

provide assistance to bring the homeowner’s mortgage or related expenses 

current.

Targeted Population

Eligible homeowners with a qualified hardship may have incomes equal to or less than 

150% of the Area Median Income, adjusted for household size.

Homeowner Eligibility Requirements

Eligible homeowners for MAP must meet the following criteria:

• The homeowner must have experienced a Qualified Financial Hardship on or after 

January 21, 2020, associated with the coronavirus pandemic. Homeowner must 

attest that they experienced a financial hardship and the attestation must describe 

the nature of the financial hardship (e.g. job loss, reduction in income, or 

increased costs due to healthcare or the need to care for a family member).

o A “Qualified Financial Hardship” is a material reduction in income, 

medical hardship, or death associated with the coronavirus pandemic that 
11

has created or increased a risk of mortgage delinquency, mortgage 

default, or foreclosure for a homeowner. The hardship MUST have 

occurred on or after January 21, 2020. 

• The homeowner must have owned the home on or before January 1, 2020. 

• The homeowner must currently own and occupy the property as their primary 

residence. 

• The homeowner must meet the Homeowner Income Eligibility Requirements.

• The homeowners who have previously filed for bankruptcy but who are no longer 

in bankruptcy must provide proof of court ordered “discharge” or “dismissal”.

• The homeowner must complete and sign Affidavit, Application, Disclosures, and 

3rd Party Authorization forms.

• The homeowner agrees to provide all necessary documentation to satisfy 

program guidelines within timeframes established by IHCDA, including selfcertification or attestation of socially disadvantaged status, as applicable. 

• The original, unpaid principal balance of the homeowner’s first mortgage or 

housing loan, at the time of origination, was not greater than the conforming loan 

limit in effect at time of origination.

Co-owners are not permitted to separately apply for program assistance.

Income Eligibility Requirements

With respect to all borrowers:

• Must own only one mortgaged home in the state of Indiana.

• Must submit an affidavit identifying a COVID-19-related financial hardship that 

occurred on or after January 21, 2020.

• Current household income must be at or below 150% of AMI, adjusted for borrower 

household size.

In addition, one of the following must apply:

• For Monthly Assistance or Monthly Assistance with Reinstatement borrowers: 

o Lender validated monthly first mortgage payment must exceed 25% of the 

borrower’s gross monthly household income, excluding unemployment 

insurance benefits, and
12

o Following the reinstatement portion of assistance, if applicable, there must 

be sufficient funds available within the Maximum Household Assistance cap 

to allow IHCDA to make at least three monthly mortgage payments to the 

servicers. 

• For Reinstatement-Only borrowers: 

o Current front-end housing debt-to-income ratio cannot exceed 38%.

Intended Impact

The purpose of the IHAF MAP is to provide financial relief to eligible homeowners by 

helping them eliminate or reduce the past due payments associated with their Covid-19 

hardships.

MAP will mitigate the need for large reinstatement dollars to be repaid by eligible, incomequalified homeowners.

Application Process

Homeowners will apply electronically using an online application portal procured by 

IHCDA. Accommodations may be made for applicants who are unable to apply 

electronically. If needed, applicants can receive assistance in completing their application 

by contacting a call center that will be operated by a vendor procured on behalf of IHCDA. 

Required application documents include: 

• IHAF application.

• Third Party Authorization (TPA) and Disclosure Form.

• Qualifying hardship attestation from homeowner certifying and identifying the 

eligible hardship and that it occurred on or after January 21, 2020.

• Mortgage Statement for each lien (e.g., first mortgage, second mortgage, down 

payment assistance mortgage).

• Income documentation; W2’s, paystubs, previous years’ tax returns or alternative 

income documents as applicable.

IHCDA anticipates outsourcing eligibility determination to a qualified vendor. IHAF staff 

will train and monitor vendor personnel. 

Conditions or Limitations

IHCDA will not exceed its “maximum per household IHAF assistance” amount of $35,000 

per household. Additionally, MAP assistance is limited to one time per household. This 

does NOT preclude IHCDA from providing additional assistance under subsequently 
13

developed programs, however, the sum total of assistance provided under MAP plus any 

subsequent program shall not exceed $35,000. 

All assistance is structured as a forgivable, non-recourse, non-interest bearing, nonamortizing loan, secured by a junior lien on the property. The loan has a term of five years. 

The first 20% of the loan will be forgiven 12 months after the loan closing. The remainder 

of the loan will be forgiven at a rate of 20% per annum thereafter. If the borrower sells 

the property before the loan is fully forgiven, all net sale proceeds, up to the full 

outstanding principal balance at the time of sale, will be due and payable to IHCDA.

The following are excluded from assistance under IHAF MAP: 

• Open “line of credit” loans. 

• Vacant, abandoned, or condemned properties.

• Properties for which the occupant is not the deeded owner (except properties held in 

non-incorporated living trusts).

• Properties owned by limited partnerships, limited liability partnerships, limited liability 

companies, or other incorporated entities.

• Properties listed outside the state of Indiana.

Payment Process

IHCDA will disburse IHAF assistance directly to mortgage lender/servicer, county 

treasurer or local taxing authority, condominium/homeowners’ association, and 

homeowner’s insurance.

Reinstatement Only: IHCDA will make no more than one disbursement to each payee 

under the reinstatement only program unless payee notifies IHCDA of a payment 

shortage. 

Monthly Assistance or Monthly Assistance with Reimbursement: IHCDA will make 

no more than six months of monthly mortgage payments directly to the lender under the 

monthly assistance program, and a one-time payment to the county treasurer or local 

taxing authority, condominium/homeowners’ association, and homeowner’s insurance. 

IHCDA will disburse the amount quoted by the lender/servicer; any discrepancies must

be resolved by the homeowner and lender/servicer separately.

If the homeowner’s past due amount exceeds the amount that IHCDA can provide, the 

homeowner may pay the difference directly to IHCDA prior to or at IHAF loan closing. 

Other Available Sources of Assistance 
14

IHCDA offers many programs related to homeowner assistance, utility assistance, rental 

assistance, and other services intended to help Hoosiers in need. IHCDA will ensure that 

applicants are informed of the existence of any other IHCDA program for which they may 

be eligible.

IHCDA will also utilize the services offered by the existing IFPN to assist applicants as 

well. Applicants should be aware of many of these programs already as IHCDA intends 

to use the IFPN’s 877gethope.org website as the home page for its IHAF portal page, 

similar to the successful strategy utilized by IHCDA in launching its HHF program in 2011. 

Targeted Homeowners

The following populations will receive priority funding: 

• At least sixty percent (60%) to eligible homeowners with equal to or less than 100% 

of the Area Median Income for their household size or National Median Income, 

whichever is greater, as required by the American Rescue Plan; and 

• The remaining amount to eligible “socially disadvantaged” homeowners with 

incomes equal to or less than 140% Area Median Income. Absent and subject to 

further guidance, “socially disadvantaged” is presumed to mean homeowners who 

self-report as Black Americans, Hispanic Americans, Native Americans, Asian 

Americans, and Pacific Islanders. 

• To the extent possible, IHCDA will prioritize assistance to homeowners who have 

Federal Housing Administration (FHA), Department of Veterans Affairs (VA), or 

U.S. Department of Agriculture (USDA) mortgages and homeowners who have 

mortgages made with the proceeds of mortgage revenue bonds or other mortgage 

programs that target low- and moderate-income borrowers. Data provided by 

Treasury to IHCDA indicates that in the state of Indiana, as of June 2021, there 

are 219,672 active FHA loans, 39,098 active USDA loans, and 57,202 active VA 

loans.10 This data also includes the number of loans that are delinquent and in 

forbearance as well as the number of these loans that are held by minority 

borrowers. IHCDA will utilize this information to inform its targeting and outreach 

campaigns. 

10 Federal Reserve Bank Mortgage Dashboard data provided by Treasury to State of Indiana, June 11, 2021
15

The program will include targeted partnerships with local media, faith-based organizations 

and other trusted advisors that can connect with underserved communities and promote 

utilization of this resource.

IHCDA will utilize the data collected through the needs analysis discussed above to target 

its marketing and outreach. The agency will work in conjunction with the vendor it selects 

to perform informed and targeted outreach to counties where data indicates a high need 

for assistance. IHCDA’s needs analysis also provides critical information on which 

counties to target to ensure maximum outreach to Socially Disadvantaged Individuals and 

homeowners at or below 100% AMI.

Best Practices & Coordination with Other HAF 

Participants

Best Practices & Previous Program Experience 

IHCDA has extensive experience working with vulnerable populations in crisis situations. 

IHCDA has administered programs providing relief to Hoosiers impacted by events 

ranging from natural disasters such as flooding and tornados to economic downturns like

the Great Recession. These experiences, combined with knowledge learned through 

years of collaboration with other similar agencies, has led to the development of best 

practices that IHCDA implements in all of its programs and initiatives. 

Perhaps the best example of this, and the one most relevant to HAF, is IHCDA’s HHF 

program. Indiana was one of 19 states that received money from the U.S. Department of 

the Treasury to help homeowners avoid losing their homes to foreclosure. Indiana 

received more than $283 million for HHF. The purpose of the HHF program is to prevent 

avoidable foreclosure and help stabilize the housing market.

The program provided up to six months or $30,000 in mortgage payment and/or 

reinstatement assistance to approved homeowners who had experienced an involuntary 

employment-related financial hardship due to:

• An involuntary loss of employment or reduction in employment income.

• A reduction in household income due to death of a spouse.

• Loss of employment income related to medical procedures or emergencies.

IHCDA administered this program from its inception in 2011 until the program closed in 

2021. 

IHCDA utilized the knowledge gained administering this very similar program when 

designing the structure of its IHAF program - taking the most successful policies and 

procedures from HHF and adapting them to fit the requirements of IHAF. Additionally, 
16

IHCDA is using its experience working with third-party vendors on HHF to inform its 

decision making when selecting a new vendor to assist in administering the IHAF 

program. The organizational knowledge and capacity of this vendor, as well as the 

combined institutional experience of all the organizations comprising the IFPN with which 

IHCDA has a strong working relationship, will further enhance the agency’s ability to 

administer this program efficiently and effectively.

Coordination with Other HAF Participants and Servicers

IHCDA has consistently participated in weekly HAF working group discussions facilitated 

through the National Council of State Housing Agencies (NCSHA). These calls have 

fostered a great deal of collaboration and thoughtful discussion. Through these calls 

IHCDA learned about the structure of other states’ HAF plans and used this information 

to inform the design of its own. The working group also allowed IHCDA to learn about 

common difficulties other states have encountered and to develop policies that will 

preemptively address these concerns.

Additionally, IHCDA continues to foster relationships with lenders and servicers that were 

established as part of it’s HHF program. The intention is to continue to strengthen these 

relationships with the hope of brining most, if not all, of these groups into the HAF program 

in one way or another. Some of these lenders and servicers have already expressed

interest in participating in the program.

Coordination with Other Federal Agencies 

IHCDA intends to make an effort to prioritize assistance to homeowner who have FHA, 

VA, or USDA mortgages. As such, the agency intends to reach out to these agencies, 

and any other that may have valuable knowledge or services to offer, in order to ensure 

we are identifying and serving these homeowners in the most effective way possible. 

Performance Goals 

Performance goals will be finalized following selection of a vendor and program design 

finalization. Goals may include such items as tracking the number of socially 

disadvantaged individuals served, tracking the number of households served at or below 

100% AMI, the effectiveness of agency and vendor outreach, the total number of 

households served, the number of inquiries received and from where, the number of 

unique visits to the program’s online portal, the average amount of time between 

application submittal and approval, the average amount of time it takes to finalize

payments, and other similar metrics of program effectiveness. 
17

Readiness

Staffing & Systems / Contracts & Partnerships / Existing Programs

IHCDA’s staff has the experience and capacity needed to effectively administer the IHAF 

program. Several members of the program staff have multiple years of experience 

working on the very similar HHF program. This experience will prove to be invaluable as 

the program design of IHAF closely mimics that of HHF. The team also includes 

individuals with extensive experience working on other single family and multifamily 

housing programs, including multifamily tax credit bonds, low-income housing tax credits, 

HOME, CDBG, National Housing Trust Fund, housing counseling grants, and a diverse 

slate of other programs that have provided assistance to Hoosiers across the entire state 

of Indiana. All of these individuals will be able to bring their knowledge and experience to 

the implementation and administration of the IHAF program. 

IHCDA also issued an RFP requesting proposals from vendors interested in assisting with

administration of the IHAF program. The responses received by IHCDA include proposals 

for full turnkey administration of the program, featuring software with front and back-end 

portals and extensive data reporting, call centers, monitoring, payment processing, and 

application review. IHCDA intends to have selected and contracted with a vendor by the 

end of August.

IHCDA also intends to utilize to the fullest extent its existing partnerships with community 

and neighborhood organizations, lenders, servicers, and other groups that have been 

developed as a part of HHF or other agency programs. Through these partnerships 

IHCDA will be able to draw upon a wealth of organizational and program experience. 

Pilot Program

IHCDA currently does not intend to administer a pilot program. 

Budget

IHCDA has been allocated $167,921,663 for the HAF program. Per program guidelines, 

15% of that allocation ($25,188,249.45) will be used for program administration. The 

remaining 85% ($142,733,413.55) will be allocated towards homeowner assistance. 

Administration: $25,188,249.45

Homeowner Assistance: $142,733,413.55

Total Allocation: $167,921,663.00
18

Appendix A – Overall County Rankings

Higher values represent an undesirable situation compared to lower values. 

County Name Weighted 

Average

Switzerland County 12.3%

Marion County 11.3%

Brown County 10.7%

Orange County 10.7%

Jay County 10.5%

Starke County 10.5%

Lake County 10.3%

Wayne County 10.3%

Jennings County 10.2%

Union County 10.2%

Newton County 10.1%

Fayette County 10.1%

Madison County 10.0%

Grant County 10.0%

Crawford County 10.0%

Blackford County 9.8%

Vanderburgh County 9.8%

LaPorte County 9.7%

Harrison County 9.7%

Randolph County 9.7%

Fulton County 9.6%

Clark County 9.6%

Cass County 9.5%

Pulaski County 9.5%

Owen County 9.4%

Washington County 9.4%

Delaware County 9.4%

Vigo County 9.4%

Lawrence County 9.4%

St. Joseph County 9.2%

Parke County 9.2%

Scott County 9.2%

Miami County 9.2%

Marshall County 9.1%

Adams County 9.1%

Morgan County 9.1%

Dearborn County 9.1%

Putnam County 9.0%

Jackson County 9.0%

Bartholomew County 9.0%

Allen County 8.9%

Fountain County 8.9%

Greene County 8.9%

Rush County 8.9%

Sullivan County 8.8%

Henry County 8.8%

Daviess County 8.8%

Lagrange County 8.8%

Howard County 8.7%

Knox County 8.7%

Monroe County 8.7%

Noble County 8.6%

Ripley County 8.5%

Shelby County 8.5%

Elkhart County 8.5%

Clinton County 8.5%

Vermillion County 8.5%

Clay County 8.4%

Huntington County 8.4%

White County 8.4%

Benton County 8.3%

Franklin County 8.3%

Perry County 8.3%

Steuben County 8.3%

Ohio County 8.3%

Jefferson County 8.3%

Wabash County 8.2%

Porter County 8.2%

Decatur County 8.2%

Wells County 8.1%

Kosciusko County 8.1%

DeKalb County 8.1%

Jasper County 8.0%

Spencer County 8.0%

Carroll County 8.0%

Martin County 7.9%

Gibson County 7.9%

Johnson County 7.9%

Floyd County 7.9%

Montgomery County 7.7%

Hendricks County 7.7%

Pike County 7.6%

Tippecanoe County 7.5%

Whitley County 7.5%

Tipton County 7.3%

Boone County 7.2%

Warren County 7.1%

Hancock County 7.0%

Warrick County 6.9%

Dubois County 6.9%

Posey County 6.6%

Hamilton County 6.1%
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