Type Ia supernovae (SNe Ia) are useful distance indicators in cosmology, provided their luminosity is standardized by applying empirical corrections based on light-curve properties. One factor behind these corrections is dust extinction, accounted for in the color-luminosity relation of the standardization. This relation is usually assumed to be universal, which could potentially introduce systematics into the standardization. The ``mass-step'' observed for SNe Ia Hubble residuals has been suggested as one such systematic. We seek to obtain a completer view of dust attenuation properties for a sample of 162 SN Ia host galaxies and to probe their link to the ``mass-step''. We infer attenuation laws towards hosts from both global and local (4 kpc) Dark Energy Survey photometry and Composite Stellar Population model fits. We recover a optical depth/attenuation slope relation, best explained by differing star/dust geometry for different galaxy orientations, which is significantly different from the optical depth/extinction slope relation observed directly for SNe. We obtain a large variation of attenuation slopes and confirm these change with host properties, like stellar mass and age, meaning a universal SN Ia correction should ideally not be assumed. Analyzing the cosmological standardization, we find evidence for a ``mass-step'' and a two dimensional ``dust-step'', both more pronounced for red SNe. Although comparable, the two steps are found no to be completely analogous. We conclude that host galaxy dust data cannot fully account for the ``mass-step'', using either an alternative SN standardization with extinction proxied by host attenuation or a ``dust-step'' approach.