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Illinois program

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

Illinois route through Illinois Housing Development Authority (IHDA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Statewide mortgage plus multiple assistance paths Forgivable if occupancy holds 2026-04-19
Agency Illinois Housing Development Authority (IHDA)
Support type Statewide mortgage plus multiple assistance paths
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

Open questions

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.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Illinois program hub

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

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

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

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.

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.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable

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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

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

  • Does IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm whether IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable requires a participating lender.
  • Verify the required first-mortgage pairing for IHDA Access Home / Access Forgivable / Access Deferred / Access Repayable.
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Paid research preview

What paid research already covers in Illinois

Paid research already tracks city and county programs, specialty and conditional paths for Illinois.

2 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

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Decision output

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