Illinois to reopen mortgage relief program: What to know

Eligible homeowners will soon be able to receive up to $30,000 in mortgage relief through an assistance program administered by the Illinois Housing Development Authority.

IDHA, in a press release, said its Illinois Homeowners Assistance Fund would resume November 1.

The program is funded by the American Rescue Plan Act of 2021. The state received $386.9 million which was earmarked for IHDA by the Illinois General Assembly.

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Who is eligible for mortgage assistance?

After first contacting their mortgage provider or Certified Housing and Urban Development Consultant regarding their inability to cover mortgage payments, an applicant will need a letter from the mortgage provider or certificate of a HUD advisor to move forward.

From there, eligibility is based on a list of factors.

Applicants must be able to prove financial hardship as a result of COVID-19 after January 21, 2020. They must also own a home in the state as their primary residence, be at least 30 days behind on their monthly payments, and have a household income equal to or less than 150% of the median income of the region.

Homeowners can have a mortgage, reverse mortgage, or no mortgage. Relief can cover overdue housing payments and up to three months of potential mortgage payments.

How can the money be spent?

Overdue housing payments represent only a portion of the allowable expenses associated with the assistance program. Homeowners can also use their allowance to pay overdue property taxes, home and flood insurance, mobile home lot rent, and any fees attached to a homeowner or condo association.

The amount of money granted depends on the income limit in each respective county and is adjusted according to the number of people living in the household.

What is the deadline to apply?

There is no application fee associated with ILHAF, which is open until 11:59 p.m. on Tuesday, January 31, 2023.

People can apply for funds through the IHDA website at, or they can contact the Housing Assistance Fund call center for assistance at 866-454 -3571. To check the status of an application, interested individuals can visit or by calling the hotline.

I applied in the previous round. Can I apply again?

Those who have already received ILHAF assistance may reapply for this round, but the maximum total assistance will not exceed $30,000.

Payments will go from IDHA to a mortgage servicer, tax agency and/or other approved providers. These groups have their own respective deadlines for applying funds to the applicant, and applicants are urged to contact them with any further questions.

Contact Patrick Keck: 312-549-9340, [email protected],