Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)
Deferred second loan · New construction · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Down payment assistance · Illinois
Buying a home in Kane County, IL
1 county-wide program, 1 city with their own, plus 7 statewide and 62 nationwide.Kane has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 7 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in KaneAnywhere in Kane County
1 program for every Kane address1 program that covers every Kane address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Aurora, Elgin or Carpentersville can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Kane, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Kane city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Kane marketThe Kane housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Kane
- 69.1% single-familysingle-family
- 12% townhousetownhouse
- 6.5% 2–4 units2–4 units
- 11.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. The one county-wide program and the one city program list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kane’s homes were built
pre-19401970s2020+
45.3%
of Kane 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.
$121,500
HUD area median income, 4 people (FY2026)HUD area median income, Kane County, 4-person household (FY2026)
$103,163
Median household income (ACS 2024 5-year)Median household income in Kane (Census ACS 2024 5-year)
76%
of occupied homes are owner-occupied (Illinois: 67.1%)
The two income figures measure different things. HUD’s area median income is the one programs use. 14 of the 71 programs here set their income limit as a share of Kane County’s area median income, adjusted for household size. See the published limits for Kane County
Free help in KaneFree help in Kane
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Kane County
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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Kane County.
24 cities and placesA to Z
All cities in Kane CountyAll 24 cities and places in Kane County
has a program of its own
Kane questions
Can I use a county program anywhere in Kane?
The 1 county-wide program cover homes anywhere in the county. City programs, like Aurora’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Kane County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Kane programs accept condos?
The one county-wide program and the one city program list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Kane?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Kane County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.