Homebuyer Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · St. Clair County
Buying a home in Smithton, IL
1 county program and 7 statewide.Smithton has no program of its own, 1 across St. Clair 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 Smithton
No program of Smithton’s own yet
No program run for Smithton alone is listed. A home in Smithton can use St. Clair County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Collinsville, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in St. ClairAnywhere in St. Clair County
1 county program1 county program a Smithton homebuyer can use
1 more program is for homes in East St. Louis. See them 1 program in neighboring cities — for homes inside those cities, not Smithton
- East St. Louis — East St. Louis Lansdowne Park Home Buyer Assistance Program
The Smithton marketThe Smithton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Smithton
- 87.5% single-familysingle-family
- 5.7% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
Condos count. Smithton’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Smithton’s homes were built
pre-19401970s2020+
18.6%
of Smithton 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.
$113,500
County area median income, 4 people (HUD)HUD area median income, St. Clair County, 4-person household (2026)
$135,455
Smithton median household incomeMedian household income in Smithton (Census, 2024)
13 of the 70 programs here set their income limit as a share of St. Clair County’s area median income, adjusted for household size. See the published limits for St. Clair County
Free help nearbyFree help near Smithton
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Smithton’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
Smithton questions
Does Smithton have its own down payment program?
No program run for Smithton alone is listed. A home in Smithton can use the 1 program that cover St. Clair County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Smithton?
Smithton’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 St. Clair County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for St. Clair 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 Smithton?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Smithton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
62285
Nearby in St. Clair
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.