Illinois · 0% interest loan

IHDAccess Repayable

$10,000

10% of price up to $10,000. 0% interest with monthly payments over 10 years. Largest IL percentage.

IHDAccess Repayable provides DPA as a low-interest second mortgage with monthly payments. While this means slightly higher monthly costs, the program often pairs with lower first mortgage rates, creating a favorable total payment.

Amount$10,000

Type0% interest loan

Available inIllinois

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

10% of price is the highest percentage DPA in Illinois. On a $200K duplex = $20K.

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

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