Forgivable loan
Homebuyer Assistance Program
Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · McLean County
Buying a home in Normal, IL
1 Normal program and 7 statewide.Normal has 1 program of its own, 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 Normal addresses
Normal’s own program
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Bloomington; Normal. See them 1 program in neighboring cities — for homes inside those cities, not Normal
- Bloomington; Normal — Habitat for Humanity of McLean County Homeownership Program
The Normal marketThe Normal housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Normal
- 47.4% single-familysingle-family
- 6.7% townhousetownhouse
- 8.3% 2–4 units2–4 units
- 35.6% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
Condos count. Normal’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Normal’s homes were built
pre-19401970s2020+
40.3%
of Normal 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.
$117,000
County area median income, 4 people (HUD)HUD area median income, McLean County, 4-person household (2026)
$64,785
Normal median household incomeMedian household income in Normal (Census, 2024)
13 of the 70 programs here set their income limit as a share of McLean County’s area median income, adjusted for household size. See the published limits for McLean County
Free help nearbyFree help near Normal
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Normal questions
Does Normal have its own down payment program?
Yes, one: Homebuyer Assistance Program, a forgivable loan (forgiven over 5 yrs, income limits). It is for homes inside Normal.
Can I use assistance on a condo in Normal?
Normal’s one local program accepts 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 McLean County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for McLean 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 Normal?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Normal. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
61761 · 61790
Nearby in McLean
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.