Community Partners for Affordable Housing (CPAH) Lake County Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Lake County
Buying a home in Waukegan, IL
3 county programs and 7 statewide.Waukegan has no program of its own, 3 across Lake 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 Waukegan
No program of Waukegan’s own yet
No program run for Waukegan alone is listed. A home in Waukegan can use Lake County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Chicago, about 37 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in LakeAnywhere in Lake County
3 county programs3 county programs a Waukegan homebuyer can use
The Waukegan marketThe Waukegan housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waukegan
- 51.9% single-familysingle-family
- 6.7% townhousetownhouse
- 12.8% 2–4 units2–4 units
- 28.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. 1 of Waukegan’s 3 local and county programs accept condos. Community Partners for Affordable Housing (CPAH) Lake County Down Payment Assistance Program lists single family. Lake-McHenry Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waukegan’s homes were built
pre-19401970s2020+
68.3%
of Waukegan 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, Lake County, 4-person household (2026)
$71,919
Waukegan median household incomeMedian household income in Waukegan (Census, 2024)
14 of the 72 programs here set their income limit as a share of Lake County’s area median income, adjusted for household size. See the published limits for Lake County
Free help nearbyFree help near Waukegan
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask 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
Waukegan questions
Does Waukegan have its own down payment program?
No program run for Waukegan alone is listed. A home in Waukegan can use the 3 programs that cover Lake County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waukegan?
1 of Waukegan’s 3 local and county programs accept condos. Community Partners for Affordable Housing (CPAH) Lake County Down Payment Assistance Program lists single family. Lake-McHenry Habitat for Humanity Homeownership 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 Lake County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lake 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 Waukegan?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Waukegan. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
60079 · 60085 · 60087
Nearby in Lake
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.