First mortgage
Habitat for Humanity of Champaign County Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Champaign County
Buying a home in Champaign, IL
1 Champaign program, 1 county program and 7 statewide.Champaign has 1 program of its own, 1 more across Champaign County, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Champaign addresses
Champaign’s own program
Anywhere in ChampaignAnywhere in Champaign County
1 county program1 county program a Champaign homebuyer can also use
The Champaign marketThe Champaign housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Champaign
- 43.2% single-familysingle-family
- 5.4% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 44.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Champaign’s homes were built
pre-19401970s2020+
43.7%
of Champaign homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$114,300
County area median income, 4 people (HUD)HUD area median income, Champaign County, 4-person household (2026)
$56,118
Champaign median household incomeMedian household income in Champaign (Census, 2024)
14 of the 71 programs here set their income limit as a share of Champaign County’s area median income, adjusted for household size. See the published limits for Champaign County
Free help nearbyFree help near Champaign
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Champaign questions
Does Champaign have its own down payment program?
Yes, one: Habitat for Humanity of Champaign County Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Champaign.
Can I use assistance on a condo in Champaign?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Champaign County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Champaign County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Champaign?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Champaign. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
61820 · 61821 · 61822 · 61824 · 61825 · 61826
Nearby in Champaign
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.