Applications Closed
as of October 31, 2023

Up to $60,000 from the Illinois Emergency Homeowner Assistance Fund was available to homeowners who were behind on their mortgage or taxes because of COVID-19. This free emergency mortgage assistance would be paid directly to the homeowners’ mortgage services. 

Applications were accepted until 11:59 PM on Tuesday, October 31, 2023.

What was the Illinois Emergency Homeowner Assistance Fund (ILHAF)?

The Illinois Homeowner Assistance Fund Program provided direct financial assistance for homeowners who were having a hard time paying their housing expenses because of COVID-19. This program had some income-related restrictions on which homeowners would qualify to receive funding.

What Did ILHAF Emergency Funding Cover?

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

Who Was Eligible To Receive ILHAF Funds?

  • Homeowners with household incomes less than 150% of the Area Median Income.
  • Homeowners who own and occupy their property as their primary residence.
  • Homeowners who are at least 30 days late on their mortgage or property tax payments.
  • Homeowners who have experienced a financial hardship directly related to COVID-19 that began, continued or worsened after January 21, 2020.