Behind on housing costs due to COVID-19? The Illinois Housing Development Authority (IHDA) has made emergency homeowner assistance available through the Illinois Homeowner Assistance Fund (ILHAF). Eligible homeowners can receive up to $60,000 in emergency mortgage assistance or housing-related expenses (such as property taxes, homeowners insurance, HOA fees) paid directly to your mortgage servicer or other approved entity.
Apply at illinoishousinghelp.org
Need help applying? Contact our Intake Coordinator, Reema Shakya, at rshakya@cpahousing.org or 847-263-7478 ext 15.
What is ILHAF?
ILHAF is up to $60,000 in emergency assistance for eligible Illinois homeowners that will be paid directly to the mortgagor’s loan servicer, taxing body, or other approved entity on behalf of the homeowner.
Who is eligible to apply?
The Program is currently accepting applications from eligible, Illinois homeowners who meet the following criteria:
- Homeowner owns and occupies the property as their primary residence
- Residential properties that are located in Illinois that are one- to four-units.
- Homeowner has experienced a financial hardship since January 21, 2020 as a result of the COVID-19 pandemic and is seeking assistance with past due mortgage and/or housing-related expenses. This can include a qualified financial hardship that began before January 21, 2020, and continued after that date.
- Homeowner is at least 30 days past due on the mortgage payments or housing-related expenses (such as property taxes, homeowners insurance, HOA fees) for which they are requesting ILHAF assistance.
- Household income is equal to or less than 150% area median income (AMI).
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Household Size
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1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
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150% AMI
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$115,950
|
$132,450
|
$148,950
|
$165,450
|
$178,800
|
$192,000
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$205,200
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$218,400
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- Homeowner cannot receive the same assistance for mortgage payment, mortgage reinstatement, property charges, property taxes, etc. from another federal, state, local, nonprofit, or tribal source.
Additional Information
- Applicants who received prior ILHAF mortgage assistance are eligible for up to $60,000 combined.
- View a complete checklist of required documents (English and Spanish)
- View a complete list of Frequently Asked Questions through ILHAF