Co-signers are not allowed with Hoosier Homes. Occupying co-borrowers who live in the home and meet the 620 credit minimum may qualify together.
Can Co-Signers Be on a Hoosier Homes Loan?
Co-signers are not allowed with Hoosier Homes. Occupying co-borrowers who live in the home and meet the 620 credit minimum may qualify together.
Can Non-Occupying Co-Borrowers or Co-Signers Be on the Loan?
Primary Residence Means Occupying Borrowers
At a Glance
What Works — and What Does Not
Borrower Structures Side by Side
Keep Exploring
Not Sure Who Should Be on the Loan?
Co-signers are not allowed with Hoosier Homes. Occupying co-borrowers who will live in the home and clear credit, DTI, and program screens can still be evaluated together on the file.
Hoosier Homes is for an owner-occupied primary residence that must be occupied within 60 days of closing. Across The 2 Mortgage Guys’ DPA lineup — including Hoosier Homes — co-signers are not allowed .
That blocks the common “parent signs but does not move in” structure. If you need a second person on the loan, they should be an occupying co-borrower who will live in the home, meet the 620 credit minimum, and clear income / DTI guidelines with you.
Ryan and Steve confirm the correct borrower set before reservation in DASH — so you do not build an offer around a structure the program cannot fund.
Structure the file around occupancy and program overlays from day one.
Related eligibility and household guides.
Ryan & Steve will map occupying co-borrowers vs. structures Hoosier Homes cannot fund — then build a pre-approval around a clean borrower set.
Program guidelines, income limits, and Targeted Area maps change. This page is educational — final eligibility is confirmed when your file is underwritten against current Hoosier Homes rules. This website is not directly affiliated with or endorsed by any government agency.
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