City of Chicago · DPA program

Chicago Community Connections

Varies by funding cycle

Down payment and closing cost assistance for Chicago residents purchasing a home.

Chicago's DPA programs serve buyers in Illinois's largest city. The city offers neighborhood-specific assistance in areas targeted for investment, and city-level DPA can stack with IHDA's state programs for combined benefits.

AmountVaries by funding cycle

TypeDPA program

Available inIllinois

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

IHDAccess Home (NEW 2026) $15,000

Illinois · Deferred 0% loan

IHDAccess Forgivable $6,000

Illinois · Forgivable loan

IHDAccess Deferred $7,500

Illinois · Deferred 0% loan

All Illinois programs →

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All Illinois programs →