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IHDAccess Home

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

Funding status: Active

How much assistance

Up to ,000 (6% of purchase price) (Deferred Loan)

No monthly payments. 0% interest deferred second mortgage. Repaid only upon sale, refinance, or after 30 years.

Eligibility

  • Income limits: Varies by county. Cook County up to 7,885; Winnebago 6,615; Sangamon 1,905; Madison 8,110.
  • First-time buyer required: Yes — Has not owned a primary residence in the past 3 years.
  • Credit score minimum: 640
  • Geographic restrictions: Must purchase within Illinois.
  • Homebuyer education required: Yes

How to Apply for IHDAccess Home

Step 1: Apply through an IHDA-approved lender (network of 160+ lenders statewide). Complete homebuyer education. Get pre-approved and select an eligible property.

Visit program website

Notes

Launched March 2026 by Governor Pritzker. Paired with a 30-year fixed-rate first mortgage.

Available Statewide In