Illinois · Deferred 0% loan

IHDAccess Deferred

$7,500

5% of price up to $7,500. 0% interest, no monthly payments. Deferred for life of mortgage.

IHDAccess Deferred provides DPA as a 0% interest second mortgage with no monthly payments. The loan is repaid only upon sale, refinance, or transfer. This structure keeps monthly costs low while providing meaningful upfront assistance.

Amount$7,500

TypeDeferred 0% loan

Available inIllinois

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

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 Repayable $10,000

Illinois · 0% interest loan

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