Down payment assistance · Illinois

Buying a home in Illinois

51 programs: 7 statewide, the rest run by counties and 20 cities. What you can use depends on where the home is.51 programs across Illinois: 7 statewide, the rest run by counties and 20 cities. What you can use depends on where the home is.

Free · No SSN · No credit pull

Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Cook	7	$324,500	$121,500	See Cook
Rock Island	4	$150,400	$97,500	See Rock Island
Lake	3	$345,700	$121,500	See Lake
Madison	3	$173,000	$113,500	See Madison
All 102 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–September 2026.

Anywhere in Illinois

7 statewide programs

Up to $10,000

FHLBank Chicago Downpayment Plus (DPP) Program

Forgivable loan · Forgiven over 5 yrs · Income limits

See details

Up to $10,000

FHLBank Chicago Downpayment Plus Advantage (DPP Advantage) Program

Forgivable loan · Forgiven over 5 yrs · Income limits

See details

Up to $10,000

IHDAccess Repayable

Repayable second loan · New construction · Income limits

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

84 HUD-approved counseling agencies in Illinois84 HUD-approved housing counseling agencies in Illinois

All 7 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 7 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in IllinoisArea median income for all 102 counties, and the limit each program sets.See the limits

Illinois questions

What is FHLBank Chicago Downpayment Plus (DPP) Program?

FHLBank Chicago Downpayment Plus (DPP) Program, a forgivable loan (forgiven over 5 yrs, income limits), open anywhere in Illinois and run by Federal Home Loan Bank of Chicago. Its page has the details and a link to the official site.

Which Illinois counties run their own programs?

20 counties of 102 have a county or city program listed, among them Cook, Rock Island, Lake and Madison. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Illinois?

Many programs ask for one. 7 of the 7 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Illinois condo?

7 of the 7 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.