The Illinois Emergency Homeowner Assistance Fund is No Longer Accepting Applications.

Due to limited funds, the Illinois Emergency Homeowner Assistance Fund (ILHAF) program has closed.

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.

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

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

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.

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.

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 Feb. 20, 2024.


Waiting to be Reviewed


Needs More Info


Submitted to Servicer





Total Applications Received: 43,549

Total Amount Approved: $304,774,134

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

Applications Approved - Mortgage




Amount Approved

Applications Approved - Property Taxes Only




Amount Approved

ILHAF Impact


Average Assistance


Below 100% AMI


AMI 101-150%


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: