COVID-19 Emergency Assistance for Homeowners

COVID-19 Emergency Assistance for Homeowners

Eligible homeowners can receive up to $60,000 in emergency assistance paid directly to your mortgage servicer, taxing body, or other approved entity.

Behind on housing costs due to COVID-19? The Illinois Housing Development Authority (IHDA) has made emergency homeowner assistance available through the Illinois Homeowner Assistance Fund (ILHAF).  Eligible homeowners can receive up to $60,000 in emergency mortgage assistance or housing-related expenses (such as property taxes, homeowners insurance, HOA fees) paid directly to your mortgage servicer or other approved entity. 

Apply at illinoishousinghelp.org

Need help applying? Contact our Intake Coordinator, Reema Shakya, at rshakya@cpahousing.org or 847-263-7478 ext 15.

 


What is ILHAF?

ILHAF is up to $60,000 in emergency assistance for eligible Illinois homeowners that will be paid directly to the mortgagor’s loan servicer, taxing body, or other approved entity on behalf of the homeowner. 

Who is eligible to apply?

The Program will accept applications through January 31, 2023 from eligible, Illinois homeowners who meet the following criteria:

  • Homeowner owns and occupies the property as their primary residence
  • Residential properties that are located in Illinois that are one- to four-units.
  • Homeowner has experienced a financial hardship since January 21, 2020 as a result of the COVID-19 pandemic and is seeking assistance with past due mortgage and/or housing-related expenses. This can include a qualified financial hardship that began before January 21, 2020, and continued after that date.
  • Homeowner is at least 30 days past due on the mortgage payments or housing-related expenses (such as property taxes, homeowners insurance, HOA fees) for which they are requesting ILHAF assistance.
  • Household income is equal to or less than 150% area median income (AMI).  
Household Size
1
2
3
4
5
6
7
8
150% AMI
$109,450
$125,050
$140,700
$156,300
$168,850
$181,350
$193,850
$206,350
  • Homeowner cannot receive the same assistance for mortgage payment, mortgage reinstatement, property charges, property taxes, etc. from another federal, state, local, nonprofit, or tribal source.

When is the ILHAF Program Application Period?

The ILHAF program is currently taking applications through Tues., Jan. 31, 2023. 

Additional Information

  • Applicants who received prior ILHAF mortgage assistance are eligible for up to $60,000 combined.
  • View a complete checklist of required documents (English and Spanish)
  • View a complete list of Frequently Asked Questions through ILHAF

Want to Learn More? Attend a Virtual Webinar about the Program and the Application Process

Homeowners are strongly encouraged to attend a webinar hosted by IHDA. 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:

English:

Spanish: