Down payment assistance · Cook County
5 Chicago programs, 1 county program and 7 statewide.Chicago has 5 programs of its own, 1 more across Cook 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.
Only for Chicago addresses
Income limits · Newly-constructed single-family residential building (1-4 dwelling units) built pursuant to a City Land Sale Redevelopment Agreement or City Lots for Working Families Agreement
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
New construction · Income limits
First-time homebuyers · New construction · Income limits · single-family (new construction built by Habitat Chicago)
New construction · Income limits · 1-4 unit residential primary residence (single-family, duplex, triplex, fourplex), condominium, townhouse
Anywhere in CookAnywhere in Cook County
The Chicago marketThe Chicago housing market
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
75.2%
of Chicago 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.
17 of the 75 programs here set their income limit as a share of Cook County’s area median income, adjusted for household size. See the published limits for Cook County
Free help nearbyFree help near Chicago
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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.
Free account → 90-second match → your counselors · Sign in
Across Illinois and nationwide
Yes, 5: Building Neighborhoods and Affordable Homes Program, Chicago Home Buyer Assistance, NHS Chicago / NLS Down Payment Assistance Grant, Habitat for Humanity Chicago Affordable Homeownership Program and Purchase Assistance Program. Each is for homes inside Chicago.
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.
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Cook County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
HUD-approved housing counseling agencies teach homebuyer classes, and 33 agencies are within 15 miles of Chicago. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
60601 · 60602 · 60603 · 60604 · 60605 · 60606 · 60607 · 60608 · 60609 · 60610 · 60611 · 60612 · 60613 · 60614 · 60615 · 60616 · 60617 · 60618 · 60619 · 60620 · 60621 · 60622 · 60623 · 60624 · 60625 · 60626 · 60628 · 60629 · 60630 · 60631 · 60632 · 60633 · 60634 · 60636 · 60637 · 60638 · 60639 · 60640 · 60641 · 60643 · 60644 · 60645 · 60646 · 60647 · 60649 · 60651 · 60652 · 60653 · 60654 · 60655 · 60656 · 60657 · 60659 · 60660 · 60661 · 60663 · 60664 · 60665 · 60667 · 60668 · 60669 · 60670 · 60671 · 60672 · 60673 · 60674 · 60675 · 60677 · 60678 · 60679 · 60680 · 60681 · 60683 · 60684 · 60685 · 60687 · 60688 · 60690 · 60691 · 60693 · 60694 · 60696 · 60697 · 60699 · 60701
Nearby in Cook
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.