Illinois Homeowners Assistance Fund Accepting Applications Until Oct. 31 - Apply Now!

Apply Now
The Illinois Emergency Homeowner Assistance Fund (ILHAF) program will accept applications for assistance until 11:59 p.m. on Tuesday, Oct. 31, 2023!

ILHAF provides up to $60,000 in mortgage assistance to eligible homeowners — paid directly to the servicer, taxing body or other approved entity. If you need immediate assistance with housing expenses due to a pending foreclosure, or assistance completing an application, please contact a legal aid organization or a HUD-approved housing counseling agency (see map below) right away.

Please add your name to the mailing list to be notified of future application rounds. If you have any questions about one of the above statuses, please contact ILHAF customer relations at 866-454-3571, or send an email to hafquestions@ihda.org.

*All services related to the HAF program are free of charge. Please beware of scams.

ILHAF Information Sessions

Homeowners are strongly encouraged to attend a webinar hosted by IHDA in advance of the application portal opening. These sessions will provide a roadmap for you to follow to make the application process more efficient. Topics will include:

  • Description of loss mitigation
  • Mortgage basics
  • The foreclosure process
  • The ILHAF application process and program eligibility
  • Other free resources available to you, including housing counseling and legal aid

Webinars will be offered in English and Spanish. Check this page for links and instructions to attend sessions at the dates below. Please note that these are recurring (weekly for English, biweekly for Spanish).

English

Spanish

How to apply

1. Get Informed
Attend an information session hosted by IHDA to learn about the ILHAF application process, program eligibility and other free resources available to help you save your home. See the session schedule below.

2. Explore Your Options
Contact your mortgage servicer or a HUD-certified housing counseling agency to discuss options to prevent foreclosure. A certificate from a HUD-certified housing counselor or a letter from your mortgage servicer detailing efforts to resolve your delinquency will be required to apply for ILHAF assistance.

3. Get Started
Review the Acceptable Documentation list Acceptable Documentation list and be prepared to provide all required documents.

Up to $60,000 per Household to Pay

  • Delinquent mortgage payments
  • Mortgage reinstatement or other housing-related costs related to a period of forbearance necessitated by the pandemic
  • Delinquent property taxes
  • Delinquent homeowner’s insurance and/or flood insurance
  • Delinquent Homeowner/Condominium/Co-Op Association fees
  • Delinquent mobile home lot rent.

Locate an Approved HUD-certified Housing Counselor Near You

Find an approved HUD-certified Housing Counselor to explore housing assistance opportunities in your area.

Illinois Homeowner Assistance Fund Metrics

Below are some current and cumulative statistics for the Illinois Homeowner Assistance Fund. Program data current as of Sept. 10, 2023.

246

Waiting to be Reviewed

2

Needs More Info

668

Submitted to Servicer

14,109

Approved

20,764

Denied

Total Applications Received: 38,140

Total Amount Approved: $252,554,642

*Applications past initial review and going through additional processing such as Quality Control (QC), duplication of benefits, supervisory review, etc.

Applications Approved - Mortgage

12,751

Applicants

$234,239,458

Amount Approved

Applications Approved - Property Taxes Only

1,051

Applicants

$5,404,305

Amount Approved

ILHAF Impact

$17,924

Average Assistance

12,891

Below 100% AMI

1,218

AMI 101-150%

69%

Socially Disadvantaged

ILHAF Information Sessions

Homeowners are strongly encouraged to either watch the videos on this page or attend a webinar. These sessions will provide a road map for you to follow to make the application process more efficient. Topics will include:

  • Description of loss mitigation
  • Mortgage basics
  • Foreclosure process
  • The ILHAF application process and program eligibility
  • Other free resources available to you, including housing counseling and legal aid

Webinars will be offered in English and Spanish. Check this page for links and instructions to attend sessions at the dates below: