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Illinois program

Choose Aurora Homebuyer Assistance Program

Illinois route through City of Aurora. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred city loan plus grant options Check official rules 2026-04-20
Agency City of Aurora
Support type Deferred city loan plus grant options
Amount highlight Aurora can combine up to $20,000 as a 0% deferred city loan, up to $5,000 as a closing-cost grant for buyers at or below 80% AMI, and up to $2,000 in possible small-repair grant support.
Last verified 2026-04-20

Use carefully

Program uses more than one assistance layer

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Choose Aurora is not one flat grant. The current city materials show a deferred city loan plus separate grant-style layers that vary by household income band.

Decision-ready public facts

What stays free on this program page

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Amount

Aurora can combine up to $20,000 as a 0% deferred city loan, up to $5,000 as a closing-cost grant for buyers at or below 80% AMI, and up to $2,000 in possible small-repair grant support.

Type

Deferred city loan plus grant options

Repayment

Aurora describes the main assistance as a 0% deferred soft second. The balance becomes due if the home is sold, title changes, the borrower stops using the home as a primary residence, or the borrower completes a cash-out refinance or other refinance that pulls equity out of the home. The closing-cost and repair layers are described as grant-style assistance rather than repayable city debt.

First-time buyer

Varies

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Income-eligible homebuyers, Buyers purchasing within incorporated Aurora

What support do you get?

Aurora can combine up to $20,000 as a 0% deferred city loan, up to $5,000 as a closing-cost grant for buyers at or below 80% AMI, and up to $2,000 in possible small-repair grant support.

Do you repay it?

Aurora describes the main assistance as a 0% deferred soft second. The balance becomes due if the home is sold, title changes, the borrower stops using the home as a primary residence, or the borrower completes a cash-out refinance or other refinance that pulls equity out of the home. The closing-cost and repair layers are described as grant-style assistance rather than repayable city debt.

How do you apply?

Work with a lender, use a 30-year fixed FHA or conventional first mortgage, submit the city pre-application about 3 to 4 weeks before closing, and follow the city layer that matches the household income band. Aurora says counseling is required for HOME-funded layers and strongly recommended for some higher-income layers.

Official source evidence

Aurora's current 2026 FAQ says buyers can receive a 0% deferred loan up to $20,000, that buyers at or below 80% AMI can also receive a closing-cost grant up to $5,000, and that current 81% to 120% AMI buyers can still access the deferred-loan layer.

View official source

Last verified

2026-04-20

2026-04-02

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Comparison preview

Choose Aurora Homebuyer Assistance Program

Amount: Aurora can combine up to $20,000 as a 0% deferred city loan, up to $5,000 as a closing-cost grant for buyers at or below 80% AMI, and up to $2,000 in possible small-repair grant support.

Repayment: Aurora describes the main assistance as a 0% deferred soft second. The balance becomes due if the home is sold, title changes, the borrower stops using the home as a primary residence, or the borrower completes a cash-out refinance or other refinance that pulls equity out of the home. The closing-cost and repair layers are described as grant-style assistance rather than repayable city debt.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • Choose Aurora Homebuyer Assistance Program must be paired with a specific first mortgage.
  • Choose Aurora Homebuyer Assistance Program can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Choose Aurora Homebuyer Assistance Program, and what breaks eligibility?
  • Which events trigger repayment for Choose Aurora Homebuyer Assistance Program: refinance, non_owner_occupancy?

Action checklist preview

What you would do next

  • Review the official Choose Aurora program page for Choose Aurora Homebuyer Assistance Program
  • Carry the lender question kit for Choose Aurora Homebuyer Assistance Program
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