Do I have to be a first-time buyer for IHDA Access Deferred?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Per county.

What credit score does IHDA Access Deferred list?

The listed minimum credit score is 640.

IHDA Access Deferred

IHDA Access Deferred is a deferred 2nd life-of-mortgage from IHDA. Available statewide in Illinois. Up to $75,005 toward a home purchase. For first-time buyers. Income limit: Per county.

Up to $75,005

Listed as open as of May 2026

Available statewide in Illinois.

First-time buyer	Required
Income limit	Per county
Minimum credit score	640
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide IL
Property types	SFR
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	Deferred until sale/refi
Stacking	Pairs with IHDA first

Source IHDA·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: IHDA · program details at the provider’s site.

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