Forgivable loan
Springfield Home Ownership Program (SHOP)
First-time homebuyers · Income limits
Down payment assistance · Sangamon County
Buying a home in Springfield, IL
1 Springfield program and 7 statewide.Springfield 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.
Find my programs Free · No credit pull · 90 seconds
Only for Springfield addresses
Springfield’s own program
The Springfield marketThe Springfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Springfield
- 64.9% single-familysingle-family
- 8.1% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 16.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Springfield’s homes were built
pre-19401970s2020+
65%
of Springfield 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.
$114,900
County area median income, 4 people (HUD)HUD area median income, Sangamon County, 4-person household (2026)
$66,064
Springfield median household incomeMedian household income in Springfield (Census, 2024)
13 of the 70 programs here set their income limit as a share of Sangamon County’s area median income, adjusted for household size. See the published limits for Sangamon County
Free help nearbyFree help near Springfield
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Springfield’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Springfield Home Ownership Program (SHOP) 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Springfield questions
Does Springfield have its own down payment program?
Yes, one: Springfield Home Ownership Program (SHOP), a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Springfield.
Can I use assistance on a condo in Springfield?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Sangamon County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Sangamon 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 Springfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Springfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
62701 · 62702 · 62703 · 62704 · 62705 · 62706 · 62707 · 62708 · 62709 · 62713 · 62715 · 62716 · 62718 · 62719 · 62720 · 62721 · 62722 · 62723 · 62726 · 62736 · 62739 · 62746 · 62756 · 62757 · 62761 · 62762 · 62763 · 62764 · 62765 · 62766 · 62767 · 62769 · 62776 · 62777 · 62781 · 62786 · 62791 · 62794 · 62796
Nearby in Sangamon
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.