Access 10% Program

  • Illinois Housing Development Authority
  • 111 E. Wacker Drive, Suite 1000
  • Chicago, Illinois, 60601
  • Phone: 1-877-456-2656
  • Email:
  • Website Link:

Purpose of the Program

To assist homebuyers with down payment and/or closing costs associated with purchasing a home in the State of Illinois. The program is designed to increase home purchase accessibility for qualified households across Illinois, by offering a repayable 2nd mortgage of 10% of the purchase price (up to $10,000) in down payment and/or closing cost assistance with a 30-year fixed-rate 1st mortgage. Repayment of the 2nd is monthly amortizing over a 10-year period at 0% interest rate.

Who is Eligible

  • Borrowers can be a first-time homebuyer or non first-time homebuyer in Illinois.
  • Borrower’s income and property purchase price must be at or below the IHDA limits of the county in which the property is located
  • Minimum credit score is 640 for all loan types
  • FHA, VA, USDA, FNMA HFA Preferred, FHLMC HFA Advantage only
  • Maximum total debt-to-income (back end) ratio of 45.00% for all loan types
  • IHDA income and property purchase price limits apply
  • Property must be a qualified single-family dwelling (this includes condos, townhomes, and 2-units as allowed by Agency)
  • Pre-purchase homeownership counseling is required for each borrower prior to close
  • No manufactured homes

Application Deadline

Applications are rolling until funds are exhausted.

Application Process

All borrowers must apply with an IHDA approved lender.

For more information, please go to or contact IHDA at

Availability of Funds

Assistance is limited to 10% of the purchase price up to $10,000.

How Funds are to be used

The funds provided are in the form of a repayable 2nd mortgage for an owner occupied, primary residence purchase. The DPA 2nd is required to be used in conjunction with an IHDA 30-year fixed rate 1st mortgage.

Types of Assistance