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🏡 Illinois Down Payment Assistance Programs
| Program Name | Assistance Offered | Key Details |
|---|---|---|
| IHDAccess Forgivable | Up to $6,000 (4% of purchase price) | Forgiven after 10 years—no repayment required if you stay in the home |
| IHDAccess Deferred | Up to $7,500 (5% of purchase price) | Interest-free loan, repaid when you sell, refinance, or finish mortgage |
| 1stHomeIllinois | $7,500 grant | Available in select counties (including St. Clair); for first-time buyers |
| Chicago Housing Authority DPA | Up to $20,000 | For down payment, closing costs, or interest rate buy-downs |
