Behind on Housing Costs Due to COVID-19? Help is Here!

Video: ILHAF How to Apply: In English

If you own your home and are behind on your mortgage or taxes because of COVID-19, you may be eligible to receive up to $30,000 from the state of Illinois.

Homeowners who qualify may receive free emergency mortgage assistance paid directly to their mortgage service. The Illinois Homeowner Assistance Fund is now open and rental assistance is available from the Department of Human Services.

HODC Can Help You Find Out if You’re Eligible and Prepare to Apply

Contact HODC at 847-564-2900 to make an appointment. Services are also available in American Sign Language for individuals who are Deaf, Deaf-Blind, and hard of hearing.

We can help you find out if you qualify for emergency assistance funds. If you qualify, we can help you with the application process.

You will need these documents during the application process.

The application deadline is Tuesday, May 31 at 11:59 PM.

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

The Illinois Homeowner Assistance Fund Program provides direct financial assistance for homeowners who are having a hard time paying their housing expenses because they were impacted by COVID-19. This program has some income-related restrictions on which homeowners will qualify to receive funding.

What Does 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 is Eligible to Receive ILHAF Emergency 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.
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