Top Betting Markets for the 2026 CFP National Championship: Miami vs. Indiana
Miami and Indiana are gearing up for a championship showdown on Monday, Jan. 19 (7:30 p.m. ET, ESPN) from Hard Rock Stadium in Miami Gardens, Fla., and we're looking at the top betting markets for the 2026 CFP National Championship.
Indiana opened as a 7.5-point betting favorite, with the line already shifting to Hoosiers -8.5 as Curt Cignetti and Fernando Mendoza look to finish the college football season with a perfect record.
📊 CFP National Championship odds: Miami vs. Indiana
See the latest college football odds for the national championship in real time.
➗ Point spread betting
Betting on the spread at our best college football betting sites means you're not actually picking a team to win outright, but either win by a certain number of points or lose by less than a certain number of points.
In the case of the CFP National Championship, if you take Indiana -8.5 points, you'd need the Hoosiers to win by nine or more points to win your bet. If you take Miami +8.5 points, you'd need the Hurricanes to lose by less than nine points, or win outright.
The odds for betting on spreads are usually priced similarly on both sides because you're not picking a winner outright. With my early Miami vs. Indiana prediction, I took the Hoosiers -7.5 at -110. Meaning a $10 bet on Indiana pays a $9.09 profit if IU wins by more than a touchdown.
CFP National Championship spread breakdown
| Miami | Indiana | |
|---|---|---|
| +7.5 (-110) | Opening spread | -7.5 (-110) |
| 10-5 | Against the spread record | 10-5 |
| 7-5 | ATS record as favorite | 8-5 |
| 3-0 | ATS record as underdog | 2-0 |
| 14% | Bet percentage to cover | 86% |
| 12% | Handle percentage to cover | 88% |
🏆 Moneyline bets: Picking the winner
Moneyline betting is as straightforward as it gets, with the team you bet on just needing to win for your bet to hit. However, that often means betting on the favorite pays substantially less with the odds priced shorter.
Looking at the CFP National Championship odds and storylines, I broke down how Indiana has outscored ranked opponents by an average of 40 to 13 this season. Due to the Hoosiers' dominance under Cignetti, who has a 26-2 record in Bloomington, betting on the Indiana moneyline against Miami pays just a $2.99 profit on a $10 bet at the -335 odds.
The moneyline is often a good market for those who believe the underdog can win outright, something Miami has done three times against top 10 teams already this season. Miami's +275 ML odds pay a $27.50 profit on a $10 bet if the Hurricanes pull off an upset for the fourth time this season.
CFP National Championship moneyline breakdown
| Miami | Indiana | |
|---|---|---|
| +260 | Opening moneyline | -325 |
| 13-2 | W/L record | 15-0 |
| 10-2 | W/L record as favorite | 13-0 |
| 3-0 | W/L record as underdog | 2-0 |
| 50% | Bet percentage to win | 50% |
| 25% | Handle percentage to win | 75% |
⚖️ Over/Under betting (totals)
Betting on the Over/Under, or game total, of a game is when you pick if the two teams in a matchup will score more or fewer combined points than the number the sportsbook has set.
For Miami vs. Indiana's championship matchup, the Over/Under at our best sports betting sites is set at 48.5. If you bet the Over, the Hoosiers and Hurricanes would need to combine for at least 49 points for your bet to hit. If you bet Under, they'd need to combine for fewer than 49 points for your bet to hit.
Similar to spreads, the odds for betting on the Over/Under are usually priced similarly on both sides. I'm projecting the game to go Over, with 51 combined points, and the -112 odds at Caesars pay an $8.93 profit if it does hit.
CFP National Championship Over/Under breakdown
| Over | Under | |
|---|---|---|
| 48.5 (-110) | Opening Over/Under | 48.5 (-110) |
| Miami: 6-9 | Over/Under record | Indiana: 9-6 |
| 89% | Bet percentage for Over/Under | 11% |
| 88% | Handle percentage for Over/Under | 12% |
💰 Player prop bets
Player prop markets focus on individual players, rather than the game as a whole. They're a fun way to engage with sports betting if you like/dislike a specific player's matchup or enjoy betting on the best players without needing to worry about the outcome of the game.
For Miami vs. Indiana, there's a plethora of future NFL players taking the field on both sides, including Heisman winner Fernando Mendoza. With the Hoosiers' QB the favorite by the 2026 NFL Draft odds to be the No. 1 pick, he's going to be a popular player to bet on.
Mendoza's passing yards line is set at 215.5, so if you were to bet the Over on his passing yards at the -114 price, you'd make an $8.77 profit on a $10 bet if he threw throws for 216-plus yards.
Player props also include touchdown markets, where you can bet on a specific player to score. For example, if Miami freshman phenom Malachi Toney scores a TD, his +145 odds pay a $14.50 profit on a $10 bet.
Potentially popular CFP National Championship player props
| Market | Over | Under |
|---|---|---|
| Fernando Mendoza: 1.5 passing TDs | -148 | +112 |
| Carson Beck: 202.5 passing yards | -114 | -114 |
| Malachi Toney: 61.5 receiving yards | -114 | -114 |
| Elijah Sarratt: 54.5 receiving yards | -114 | -114 |
| Mark Fletcher Jr.: 71.5 rushing yards | -114 | -114 |
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