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IHDA Access Deferred

Administered by: Illinois Housing Development Authority · State · Deferred Loan

Funding status: Active

How much assistance

5% of purchase price up to ,500 (Deferred Loan)

0% interest. Deferred for the life of the mortgage. Repaid only when the home is sold or refinanced.

Income limits: IHDA income limits apply; vary by household size and county.
First-time buyer required: Yes — Has not owned a primary residence in the past 3 years (waived in federal Targeted Areas).
Credit score minimum: 640
Geographic restrictions: Must purchase within Illinois.
Homebuyer education required: Yes

Step 1: Apply through a participating IHDA lender. Complete homebuyer education.