Deferred second loan
City of Joliet Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Will County
Buying a home in Joliet, IL
1 Joliet program, 1 county program and 7 statewide.Joliet has 1 program of its own, 1 more across Will 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 Joliet addresses
Joliet’s own program
Anywhere in WillAnywhere in Will County
1 county program1 county program a Joliet homebuyer can also use
1 more program is for homes in Romeoville. See them 1 program in neighboring cities — for homes inside those cities, not Joliet
- Romeoville — Homebuyer Assistance
The Joliet marketThe Joliet housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Joliet
- 69.5% single-familysingle-family
- 9.4% townhousetownhouse
- 8.9% 2–4 units2–4 units
- 11.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. All 2 of Joliet’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Joliet’s homes were built
pre-19401970s2020+
47.1%
of Joliet 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
County area median income, 4 people (HUD)HUD area median income, Will County, 4-person household (2026)
$92,201
Joliet median household incomeMedian household income in Joliet (Census, 2024)
14 of the 71 programs here set their income limit as a share of Will County’s area median income, adjusted for household size. See the published limits for Will County
Free help nearbyFree help near Joliet
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies 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
Joliet questions
Does Joliet have its own down payment program?
Yes, one: City of Joliet Down Payment Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Joliet.
Can I use assistance on a condo in Joliet?
All 2 of Joliet’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Will County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Will 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 Joliet?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Joliet. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
60431 · 60432 · 60433 · 60434 · 60435 · 60436
Nearby in Will
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.