IHDA Access Home (Deferred)
IHDA Access Home (Deferred) is a deferred 2nd, life-of-mortgage from Illinois Housing Development Authority. Available statewide in Illinois. Up to $150,006 toward a home purchase. For first-time buyers. Income limit: Cook $137,885; varies.
Up to $150,006
Listed as open as of May 2026
Available statewide in Illinois.
| First-time buyer | Required |
|---|---|
| Income limit | Cook $137,885; varies |
| Minimum credit score | 640 |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide IL |
| Property types | SFR primary |
| 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 |
| Notes | Launched March 2026 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Illinois Housing Development Authority · program details at the provider’s site.
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