Short answer: the Illinois Housing Development Authority (IHDA) offers four main down payment assistance programs in 2026, worth 4% to 10% of the purchase price, with a 640 minimum credit score. They’re available statewide, including Aurora, West Chicago and the rest of DuPage, Kane and Kendall counties.
IHDA Programs at a Glance
| Program | Assistance | How it works | First-time buyer required? |
|---|---|---|---|
| Access Home | 6% of price, up to $15,000 | Interest-free, deferred for the life of the loan | Yes (exceptions for veterans and targeted areas) |
| Access Forgivable | 4%, up to $6,000 | Forgiven monthly over 10 years | No |
| Access Deferred | 5%, up to $7,500 | Interest-free, repaid when you sell or refinance | No |
| Access Repayable | 10%, up to $10,000 | Interest-free, repaid monthly over 10 years | No |
Who Qualifies
- Minimum 640 credit score
- Household income and purchase price under IHDA’s county limits
- You’ll live in the home as your primary residence
- Complete homebuyer education when required
How to Apply
- Talk to an IHDA-approved lender and get pre-approved
- Pick the program that fits (more help up front vs. forgivable)
- Shop for homes within the purchase price limit
- Your lender reserves the IHDA funds when you’re under contract
Buying with an ITIN instead of a Social Security number? IHDA programs generally won’t fit, but there are other options. Read buying a home with an ITIN.
Frequently Asked Questions
How much down payment assistance can I get in Illinois?
Through IHDA’s Access programs, assistance ranges from 4% of the price (up to $6,000) with Access Forgivable to 10% (up to $10,000) with Access Repayable. IHDA Access Home offers 6% up to $15,000 for first-time buyers.
What credit score do I need for IHDA?
IHDA’s homebuyer programs require a minimum credit score of 640.
Do I have to be a first-time buyer to use IHDA?
Not for every program. Access Forgivable, Access Deferred and Access Repayable do not require first-time buyer status, while Access Home generally does unless you’re a veteran or buying in a targeted area.
Are there income limits for IHDA programs?
Yes. IHDA sets income and purchase price limits by county, and they’re updated periodically. An IHDA-approved lender can confirm the current limits for DuPage, Kane or Kendall County.
Can I use IHDA to buy a new construction home?
Yes, IHDA programs can be used for new construction.
Work With a Local, Bilingual Agent
I can connect you with lenders who do IHDA loans every week and help you find homes that fit the program limits.