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Find similar grantsIHDAccess Home (Access Home) is sponsored by Illinois Housing Development Authority (IHDA). This program offers down payment and closing cost assistance for eligible first-time homebuyers statewide.
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Getting An IHDA Loan – IHDA Financial Literacy and Pre-Purchase Counseling Buying A Vacant Or Foreclosed Home Ready to get started? In the following video, you will see how easy the IHDA loan process is and how we helped a family achieve their dream of homeownership. After watching the video, scroll through our current mortgage programs to see which one is most attractive to you.
Buying a home can be an exciting and intimidating process. With IHDA MORTGAGE we strive to make the process as streamlined as possible so you can achieve your goal of homeownership! Through our network of trusted partners, you will have someone with you every step of the way to help you purchase your home.
And by using an IHDA MORTGAGE product, we will ensure that you can afford the home you buy. Our programs offer safe, fixed interest loans at affordable rates. Qualified homebuyers can receive down payment and closing cost assistance.
6% of the purchase price up to $15,000 in assistance for down payment & closing costs offered as an interest-free loan, deferred for the life of your mortgage – you don’t need to repay until you sell your house, refinance, or pay off your mortgage 30-year, fixed-rate mortgage with an affordable interest rate Available for all mortgage types, including FHA, VA, USDA, FNMA HFA Preferred, and FHLMC HFA Advantage Homebuyers and their spouses must be first-time homebuyers or exempt Exempt means an eligible veteran (evidenced with COE/DD214), or buying a property in a targeted area Household income and purchase price limits apply Minimum credit score of 640 is required Both new construction and existing homes are eligible Apply Now!
Contact an IHDA Lender More Details About Access Forgivable The Access Home mortgage is a safe, 30-year, fixed rate mortgage. That means your interest rate will never change. Are you concerned about saving for the down payment?
Access Home offers up to a maximum of $15,000 in assistance for down payment and closing costs. Your contribution is limited to $1,000 or 1 percent of the purchase price, whichever is greater. So for as little as $1,000 out of pocket, you can get into your new home.
6% of the purchase price up to $15,000 in assistance for down payment & closing costs offered as an interest-free loan, deferred for the life of your mortgage – you do not need to repay until you sell your house, refinance, or pay off your mortgage 30-year, fixed rate mortgage with a competitive interest rate Choice of FHA, VA, USDA or FNMA HFA Preferred loan type Homebuyers and their spouses must be first-time homebuyers or exempt Exempt means an eligible veteran (evidenced with COE/DD214), or buying a property in a targeted area All Illinois counties are eligible Contribute $1,000 or 1 percent of the purchase price, whichever is greater Meet the AccessHome income and purchase price limits Meet the credit requirements Live in the home as primary residence Complete homeownership education prior to closing (online and in-person options available) New construction is allowed Work with an IHDA Mortgage Approved Lender Apply Now!
Contact an IHDA Lender. 4% of the purchase price up to $6,000 in assistance for down payment & closing costs, forgiven monthly over 10 years – it’s a loan that does not have to be repaid.
30-year, fixed rate mortgage with an affordable interest rate Available for all mortgage types, including FHA, VA, USDA, FNMA HFA Preferred and FHLMC HFA Advantage Available to first-time and repeat homebuyers statewide Household income and purchase price limits apply Minimum credit score of 640 is required Both new construction and existing homes are eligible Apply Now!
Contact an IHDA Lender More Details About Access Forgivable The Access Forgivable mortgage is a safe, 30-year, fixed rate mortgage. That means your interest rate will never change. Are you concerned about saving for the down payment?
Access Forgivable offers up to a maximum of $6,000 in assistance for down payment and closing costs. Your contribution is limited to $1,000 or 1 percent of the purchase price, whichever is greater. So for as little as $1,000 out of pocket, you can get into your new home.
4% of the purchase price up to $6,000 in assistance for down payment & closing costs, forgiven monthly over 10 years – it’s a loan that does not have to be repaid 30-year, fixed rate mortgage with a competitive interest rate Choice of FHA, VA, USDA or FNMA HFA Preferred loan type First-Time and Non First-Time Homebuyers are allowed All Illinois counties are eligible Contribute $1,000 or 1 percent of the purchase price, whichever is greater Meet the income and purchase price limits Meet the credit requirements Live in the home as primary residence Complete homeownership education prior to close (online and in-person options available) New construction is allowed Apply Now!
Contact an IHDA Lender.
5% of the purchase price up to $7,500 in assistance for down payment & closing costs offered as an interest-free loan, deferred for the life of your mortgage – you don’t need to repay until you sell your house, refinance, or pay off your mortgage 30-year, fixed rate mortgage with an affordable interest rate Available for all mortgage types, including FHA, VA, USDA, FNMA HFA Preferred and FHLMC HFA Advantage Available to first-time and repeat homebuyers statewide Household income and purchase price limits apply Minimum credit score of 640 is required Both new construction and existing homes are eligible Apply Now!
Contact an IHDA Lender More Details About Access Deferred The Access Deferred mortgage is a safe, 30-year, fixed rate mortgage. That means your interest rate will never change. Are you concerned about saving for the down payment?
Access Deferred offers a maximum of up to $7,500 in assistance for down payment and closing costs. Your contribution is limited to $1,000 or 1 percent of the purchase price, whichever is greater. So for as little as $1,000 out of pocket, you can get into your new home.
5% of the purchase price up to $7,500 assistance for down payment & closing costs offered as an interest-free loan, deferred for the life of your mortgage – you don’t need to repay until you sell your house , refinance, or pay off your mortgage 30-year, fixed rate mortgage with a competitive interest rate Choice of FHA, VA, USDA or FNMA HFA Preferred loan type First-Time and Non First-Time Homebuyers are allowed All Illinois counties are eligible Contribute $1,000 or 1 percent of the purchase price, whichever is greater Meet the income and purchase price limits Meet the credit requirements Live in the home as primary residence Complete homeownership education prior to close (online and in-person options available) New construction is allowed Apply Now!
Contact an IHDA Lender.
10% of the purchase price up to $10,000 in assistance for down payment & closing costs offered as an interest-free loan – repaid monthly over a 10 year period 30-year, fixed rate mortgage with an affordable interest rate Available for all mortgage types, including FHA, VA, USDA, FNMA HFA Preferred and FHLMC HFA Advantage Available to first-time and repeat homebuyers statewide Household income and purchase price limits apply Minimum credit score of 640 is required Both new construction and existing homes are eligible Apply Now!
Contact an IHDA Lender More Details About Access Repayable The Access Repayable mortgage is a safe, 30-year, fixed rate mortgage. That means your interest rate will never change. Are you concerned about saving for the down payment?
Access Repayable offers a maximum of up to $10,000 in assistance for down payment and closing costs. Your contribution is limited to $1,000 or 1 percent of the purchase price, whichever is greater. So for as little as $1,000 out of pocket, you can get into your new home.
10% of the purchase price up to $10,000 in assistance for down payment & closing costs offered as an interest-free loan – repaid monthly over a 10 year period 30-year, fixed rate mortgage with a competitive interest rate Choice of FHA, VA, USDA or FNMA HFA Preferred loan type First-Time and Non First-Time Homebuyers are allowed All Illinois counties are eligible Contribute $1,000 or 1 percent of the purchase price, whichever is greater Meet the income and purchase price limits Meet the credit requirements Live in the home as primary residence Complete homeownership education prior to close (online and in-person options available) New construction is allowed Apply Now!
Contact an IHDA Lender. Now that you are familiar with IHDA’s programs, reach out to an IHDA-approved lender to discuss your unique circumstances, walk you through the process and help you apply. Click here to find a lender and apply now Pre-Purchase Homeownership Counseling If you’re not quite ready to find a lender, you may want to talk with a housing counselor.
Housing counselors can help assess if you are ready to purchase a home and can educate you on the responsibilities of owning a home. You can use the tool below to find a counselor near you. Through a variety of grant programs, we fund a network of housing counseling agencies to provide foreclosure prevention counseling, as well a financial coaching and pre-purchase counseling.
Find a counselor near you today by entering a ZIP code in the map application below and begin to get the help you need. If your search provides a “No results found” message, there may not be an agency in your immediate area. In this instance, please contact our statewide agency partner as listed after the search.
You may also find a listing of our agencies here . 5 Miles 10 Miles 20 Miles 50 Miles 100 Miles Statewide Counseling Agency www. navicoresolutions.
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According to the current listing, eligibility includes: Eligible first-time homebuyers in Illinois based on borrower's credit profile, household income, and home purchase price. Can be combined with local assistance programs. Confirm the full requirements in the official notice before applying.
The current listing shows up to $15,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
IHDAccess Home (Access Home) is funded by Illinois Housing Development Authority (IHDA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Illinois. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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