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Question: How much money do I need to buy a house in Indiana? Answer: Most buyers in Indiana need between 3% and 10% of the purchase price saved for the down payment and closing costs combined. The exact amount depends on your loan type, credit score, and the price range you’re shopping in. If you’re planning to buy house property in Indiana, one of the first questions you’ll probably ask is how much cash you actually need. Many buyers assume they need 20% down, but that’s o