Forgivable loan
Homebuyer Assistance Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Winnebago County
Buying a home in Rockford, IL
1 Rockford program and 7 statewide.Rockford 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 Rockford addresses
Rockford’s own program
The Rockford marketThe Rockford housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rockford
- 61.5% single-familysingle-family
- 4.5% townhousetownhouse
- 16.8% 2–4 units2–4 units
- 16.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
About condos. Rockford’s one local program does not list condos as eligible. Homebuyer Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rockford’s homes were built
pre-19401970s2020+
74.3%
of Rockford 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.
$89,400
County area median income, 4 people (HUD)HUD area median income, Winnebago County, 4-person household (2026)
$54,752
Rockford median household incomeMedian household income in Rockford (Census, 2024)
13 of the 70 programs here set their income limit as a share of Winnebago County’s area median income, adjusted for household size. See the published limits for Winnebago County
Free help nearbyFree help near Rockford
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Rockford’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Homebuyer Assistance Program asks 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
Rockford questions
Does Rockford have its own down payment program?
Yes, one: Homebuyer Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Rockford.
Can I use assistance on a condo in Rockford?
Rockford’s one local program does not list condos as eligible. Homebuyer Assistance Program lists single family. 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 Winnebago County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Winnebago 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 Rockford?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Rockford. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
61101 · 61102 · 61103 · 61104 · 61105 · 61106 · 61107 · 61108 · 61109 · 61110 · 61112 · 61114 · 61125 · 61126
Nearby in Winnebago
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.