HOMEbuyer Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Madison County
Buying a home in Upper Alton, IL
1 county program and 7 statewide.Upper Alton has no program of its own, 1 across Madison County, and 7 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Upper Alton
No program of Upper Alton’s own yet
No program run for Upper Alton alone is listed. A home in Upper Alton can use Madison County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Alton, about 2 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MadisonAnywhere in Madison County
1 county program1 county program a Upper Alton homebuyer can use
2 more programs are for homes in Collinsville and Alton. See them 2 programs in neighboring cities — for homes inside those cities, not Upper Alton
- Collinsville — First Time Homebuyer Program
- Alton — Homeownership Program
Income limits in Madison County
How programs here set their income limits
$113,500
County area median income, 4 people (HUD)HUD area median income, Madison County, 4-person household (2026)
13 of the 70 programs here set their income limit as a share of Madison County’s area median income, adjusted for household size. See the published limits for Madison County
Free help nearbyFree help near Upper Alton
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Upper Alton’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.HOMEbuyer 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
Upper Alton questions
Does Upper Alton have its own down payment program?
No program run for Upper Alton alone is listed. A home in Upper Alton can use the 1 program that cover Madison County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Upper Alton?
Upper Alton’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 Madison County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Madison 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 Upper Alton?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Upper Alton. Create a free account and take the 90-second match to see the ones near you.
Nearby in Madison
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.