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Get Matched Free →IHDA Mortgage Credit Certificate (MCC)
Funding status: Active
How much assistance
Non-refundable federal income tax credit. Available annually for the life of the loan as long as you remain in the home.
Eligibility
- 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
How to Apply for IHDA Mortgage Credit Certificate (MCC)
Apply through an IHDA-participating MCC lender at the time of mortgage application. MCC must be issued before closing.
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Learn More About Homebuying in Illinois
Cities Where This Program Is Available (65 cities across 1 state)
Illinois (65 cities)
- Addison, IL
- Algonquin, IL
- Aurora, IL
- Bartlett, IL
- Belleville, IL
- Berwyn, IL
- Bloomington, IL
- Bolingbrook, IL
- Buffalo Grove, IL
- Calumet City, IL
- Carol Stream, IL
- Carpentersville, IL
- Champaign, IL
- Chicago, IL
- Cicero, IL
- Crystal Lake, IL
- Decatur, IL
- DeKalb, IL
- Des Plaines, IL
- Downers Grove, IL
- Elgin, IL
- Elk Grove Village, IL
- Elmhurst, IL
- Evanston, IL
- Glendale Heights, IL
- Glenview, IL
- Gurnee, IL
- Hanover Park, IL
- Highland Park, IL
- Hoffman Estates, IL
- Joliet, IL
- Lombard, IL
- Moline, IL
- Mount Prospect, IL
- Mundelein, IL
- Naperville, IL
- Niles, IL
- Normal, IL
- North Chicago, IL
- Northbrook, IL
- O'Fallon, IL
- Oak Lawn, IL
- Oak Park, IL
- Orland Park, IL
- Oswego, IL
- Palatine, IL
- Park Ridge, IL
- Pekin, IL
- Peoria, IL
- Plainfield, IL
- Quincy, IL
- Rock Island, IL
- Rockford, IL
- Romeoville, IL
- Schaumburg, IL
- Skokie, IL
- Springfield, IL
- St. Charles, IL
- Streamwood, IL
- Tinley Park, IL
- Urbana, IL
- Waukegan, IL
- Wheaton, IL
- Wheeling, IL
- Woodridge, IL