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Illinois program

IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable

Illinois route through Illinois Housing Development Authority (IHDA). 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.

Multiple assistance options Multiple repayment paths 2026-04-19
Agency Illinois Housing Development Authority (IHDA)
Support type Multiple assistance options
Amount highlight IHDA currently publishes four statewide mortgage-plus-assistance options: Access Home at 6 percent of the purchase price up to $15,000, Access Forgivable at 4 percent up to $6,000, Access Deferred at 5 percent up to $7,500, and Access Repayable at 10 percent up to $10,000.
Last verified 2026-04-19

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Choose the IHDA option first

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

This is one statewide family with four live assistance paths. The repayment and first-time-buyer rules change depending on which IHDA option the lender reserves.

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Amount

IHDA currently publishes four statewide mortgage-plus-assistance options: Access Home at 6 percent of the purchase price up to $15,000, Access Forgivable at 4 percent up to $6,000, Access Deferred at 5 percent up to $7,500, and Access Repayable at 10 percent up to $10,000.

Type

Multiple assistance options

Statewide mortgage plus multiple assistance paths

Repayment

IHDA says Access Home and Access Deferred are interest-free assistance loans deferred until sale, refinance, or payoff of the first mortgage. Access Forgivable is forgiven monthly over 10 years. Access Repayable is an interest-free assistance loan repaid monthly over 10 years. Buyers should confirm which IHDA option their lender is reserving.

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?

Illinois homebuyers working with an IHDA Mortgage Approved Lender, Borrowers meeting current IHDA income and purchase-price limits, Homebuyers with a minimum credit score of 640, Illinois buyers using the property as a primary residence in any Illinois county

What support do you get?

IHDA currently publishes four statewide mortgage-plus-assistance options: Access Home at 6 percent of the purchase price up to $15,000, Access Forgivable at 4 percent up to $6,000, Access Deferred at 5 percent up to $7,500, and Access Repayable at 10 percent up to $10,000.

Do you repay it?

IHDA says Access Home and Access Deferred are interest-free assistance loans deferred until sale, refinance, or payoff of the first mortgage. Access Forgivable is forgiven monthly over 10 years. Access Repayable is an interest-free assistance loan repaid monthly over 10 years. Buyers should confirm which IHDA option their lender is reserving.

How do you apply?

Work with an IHDA Mortgage Approved Lender, complete the required homeownership education, and choose the IHDA mortgage-plus-assistance option your lender confirms fits your borrower profile.

Application timing

IHDAccess programs are active but show limited funds remaining; assistance is not guaranteed until an approved lender places a complete reservation with IHDA Mortgage.

Official source evidence

The official IHDA borrower page says Access Home offers 6 percent of the purchase price up to $15,000, Access Forgivable offers 4 percent up to $6,000 forgiven over 10 years, Access Deferred offers 5 percent up to $7,500 deferred until payoff events, and Access Repayable offers 10 percent up to $10,000 repaid monthly over 10 years.

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Last verified

2026-04-19

Effective date not captured.

Paid preview

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Comparison preview

IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable

Amount: IHDA currently publishes four statewide mortgage-plus-assistance options: Access Home at 6 percent of the purchase price up to $15,000, Access Forgivable at 4 percent up to $6,000, Access Deferred at 5 percent up to $7,500, and Access Repayable at 10 percent up to $10,000.

Repayment: IHDA says Access Home and Access Deferred are interest-free assistance loans deferred until sale, refinance, or payoff of the first mortgage. Access Forgivable is forgiven monthly over 10 years. Access Repayable is an interest-free assistance loan repaid monthly over 10 years. Buyers should confirm which IHDA option their lender is reserving.

First-time buyer: Varies

Timing: IHDAccess programs are active but show limited funds remaining; assistance is not guaranteed until an approved lender places a complete reservation with IHDA Mortgage.

Risk checks preview

What gets flagged before you call a lender

  • IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable requires a participating lender.
  • IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable for this household and loan setup?
  • Which first-mortgage product must be paired with IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Find an IHDA lender for IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable
  • Ask whether your lender is approved for this exact program and loan structure.
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