Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)
Deferred second loan · New construction · Income limits
Down payment assistance · Kane County
Buying a home in Saint Charles, IL
1 county program and 7 statewide.Saint Charles has no program of its own, 1 across Kane 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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What’s local to Saint Charles
No program of Saint Charles’s own yet
No program run for Saint Charles alone is listed. A home in Saint Charles can use Kane County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Aurora, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KaneAnywhere in Kane County
1 county program1 county program a Saint Charles homebuyer can use
1 more program is for homes in Aurora. See them 1 program in neighboring cities — for homes inside those cities, not Saint Charles
- Aurora — The Neighbor Project Closing the Gap Homeownership Grant
The Saint Charles marketThe Saint Charles housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saint Charles
- 58.9% single-familysingle-family
- 14.4% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 19.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Saint Charles’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saint Charles’s homes were built
pre-19401970s2020+
43.3%
of Saint Charles 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, Kane County, 4-person household (2026)
$114,300
Saint Charles median household incomeMedian household income in Saint Charles (Census, 2024)
13 of the 70 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 nearbyFree help near Saint Charles
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Saint Charles’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium) 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
Saint Charles questions
Does Saint Charles have its own down payment program?
No program run for Saint Charles alone is listed. A home in Saint Charles can use the 1 program that cover Kane County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saint Charles?
Saint Charles’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 Kane County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Kane 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 Saint Charles?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Saint Charles. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
60174 · 60175
Nearby in Kane
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.