Your real Illinois affordability, the IHDA Access Mortgage Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Illinois number — free →IHDAccess Home provides 6% of the purchase price, up to $15,000, deferred until you sell or refinance. IHDAccess Deferred provides 5% of the purchase price, up to $7,500; IHDAccess Forgivable provides 4% of the purchase price, up to $6,000, forgiven over ten years; IHDAccess Repayable provides 10% of the purchase price, up to $10,000, repaid monthly over ten years.
Official Illinois program page →Illinois's main statewide option is the IHDA Access Mortgage Down Payment Assistance — second loan administered by the agency or organization shown on its official program page. Many cities and counties in Illinois add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Illinois assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official IHDA Access Mortgage Down Payment Assistance page before applying.