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How much house can you afford in Illinois with down payment assistance?

Your real Illinois affordability, the IHDA Access Mortgage match, and a step-by-step plan — in 30 seconds. No email required.

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The short answer: In Illinois, the IHDA Access Mortgage (Second loan) provides up to $10,000 toward your down payment or closing costs. Paired with the FHA 31%/43% debt-to-income guidelines lenders use, this calculator shows exactly how much house you can afford in Illinois — with that assistance factored in.

Illinois down payment assistance program

IHDA Access Mortgage
Second loan · Illinois
up to $10,000

Up to $10,000 for eligible borrowers.

Official Illinois program page →

Illinois DPA — common questions

What down payment assistance is available in Illinois?

Illinois's main statewide option is the IHDA Access Mortgage — Up to $10,000 for eligible borrowers. It is a second loan. Cities and counties in Illinois often add their own programs on top.

How much house can I afford in Illinois with assistance?

It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the IHDA Access Mortgage could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.

What credit score do I need for Illinois down payment assistance?

Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official IHDA Access Mortgage page before applying.

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