Illinois · Deferred 0% loan

IHDAccess Home (NEW 2026)

$15,000

6% of purchase price up to $15,000. 0% interest, deferred for life of mortgage. Launched March 2026.

IHDAccess Home provides a competitive first mortgage rate paired with DPA options. The program serves first-time buyers across Illinois with below-market rates that save thousands over the life of the loan.

Amount$15,000

TypeDeferred 0% loan

Available inIllinois

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Works with FHA on multi-unit properties. Veterans exempt from first-time buyer requirement.

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 Forgivable $6,000

Illinois · Forgivable loan

IHDAccess Deferred $7,500

Illinois · Deferred 0% loan

IHDAccess Repayable $10,000

Illinois · 0% interest loan

All Illinois programs →

Get your free stacking strategy

We'll show you how to combine IHDAccess Home (NEW 2026) with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All Illinois programs →