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IHDAccess Repayable is sponsored by Illinois Housing Development Authority (IHDA). The IHDAccess Repayable program offers up to $10,000 in down payment and closing cost assistance, which must be repaid over time.
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Homeownership Resource Center Does your borrower meet the general criteria for a home loan but lacks the down payment? Because this happens far too often IHDA has created loan programs that provide down payment and closing cost assistance for borrowers who would otherwise qualify for a mortgage.
As long as your borrowers meet the income and purchase limits, have a good credit score, and can make the monthly payments, there’s a good chance we have a program that can help. Specific requirements for each program are included below. Across Illinois nearly 10% of all first-time homebuyers utilize IHDA MORTGAGE products to help with the additional leverage needed to bridge the gap of homeownership.
In an effort to continue to grow on the state’s success in serving historically underrepresented communities, we want to announce the Opening Doors and SmartBuy programs which provide further opportunity to increase generational wealth and build homeownership accessibility.
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 Meet the household income and purchase price limits Minimum credit score of 640 is required Both new construction and existing homes are eligible 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 Live in the home as primary residence Complete homeownership counseling prior to closing (online and in-person options available) Access Forgivable Highlights 4% of the purchase price up to $6,000 in assistance for down payment & closing costs, forgiven monthly over 10 years – it’s a gift 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 Access Forgivable Requirements Meet the household income and purchase price limits Minimum credit score of 640 is required Both new construction and existing homes are eligible 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 Live in the home as primary residence Complete homeownership counseling prior to close (online and in-person options available) Access Deferred Highlights 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 Access Deferred Requirements Meet the household income and purchase price limits Minimum credit score of 640 is required Both new construction and existing homes are eligible 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 Live in the home as primary residence Complete homeownership counseling prior to close (online and in-person options available) Access Repayable Highlights 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 Access Repayable Requirements Meet the household income and purchase price limits Minimum credit score of 640 is required Both new construction and existing homes are eligible 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 Live in the home as primary residence Complete homeownership counseling prior to close (online and in-person options available) > PUBLIC MEETINGS AND NOTICES
According to the current listing, eligibility includes: Minimum 640 credit score; meet household income and purchase price limits; $1,000 or 1% down payment contribution; primary residence occupancy; homeownership counseling completion required. Confirm the full requirements in the official notice before applying.
The current listing shows 10% of the purchase price up to $10,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
IHDAccess Repayable 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.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
Five weeks after a federal judge vacated the FY2026 Continuum of Care NOFO in its entirety, HUD published a Notice of Research Justifying Additional Incentives for Certain Activities To Reduce Homelessness. It is not a NOFO and not a proposed rule — it is the administrative record HUD needs to reissue the same policy and survive the next lawsuit. Here is what the four named activities tell you about the revised competition, why the October 13 comment deadline is now the real leverage point, and what CoC leads should be building right now.
Read articleThe OpenAI Foundation is putting $100 million behind Breakthroughs to Follow-Through, a Common Health Coalition initiative aiming to at least double hepatitis C cure rates in eight states and localities within two years. Alabama, Illinois, Louisiana and Massachusetts go first, money flows to local collaboratives and nonprofits, and the grants are deliberately not tied to any one AI vendor. Here is what makes an organization fundable under it.
Read articleIDNR's OSLAD program closes at 5:00 p.m. on August 31, 2026, with $37.5 million available, a $1,125,000 ceiling for land acquisition and $600,000 for development. The standard deal is 50/50. The deal that matters for small towns is the full-funding provision for economically distressed communities — and the thing that disqualifies applicants is not the project, it is GATA prequalification.
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