Illinois Homeowner Assistance Fund (ILHAF) with Illinois Housing Development Authority (IHDA)
Application Portal is Now Open

Image by Taylor Wilcox


Illinois homeowners who have fallen behind on mortgage payments due to the pandemic can seek support through the Illinois Emergency Homeowner Assistance Fund.

Open Communities is not able to schedule housing counseling sessions at this time. We can connect you with Certified Housing Counselors and we can help you understand the application process. 

To Apply for the Illinois Emergency Homeowner Assistance Fund: 

  1. Schedule a housing counseling session with a HUD-certified Housing Counselor.     Note: Open Communities is not able to schedule housing counseling sessions at this time. 

  2. Watch the webinar about the mortgage assistance program on the IHDA website to understand how the program works, timing, and the documents you need to apply.

  3. Put together the documents you need to apply for mortgage assistance 

    1. Work with a HUD-certified Certified Housing Counselor to earn a Housing Certificate, one of the documents required for the program.

    2. The mortgage assistance application requires multiple documents, and Open Communities will help you understand and gather them. 

  4. Your Hud-certified Housing Counselor will assist you with the application and will help process it. 

  5. If the application is approved, you will be notified and mortgage assistance will be provided directly to the servicer/lender.


The application portal will close when all of the funds have been dispersed. 


  • Preference to those who work with a HUD-certified counseling agency (like Open Communities)

  • 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

Image by Paul Kapischka


  • First Mortgages 

  • Second Mortgages

  • Reverse Mortgages

  • Loans Secured by Manufactured Housing (secured by real estate or a dwelling)

Exclusion: Contracts for Deed will not be eligible under HAF. IHDA views this arrangement as a rental obligation and assists persons with contracts for deeds under its emergency rental assistance program.


Assistance is an up to $30,000 grant (does not need to be repaid) to cover:

  • 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


Click here to see a list of necessary/acceptable documents. 

Note: Mortgage assistance is provided directly to the servicer/lender. This program does not cover utilities



The Illinois Homeowner Assistance Fund (ILHAF) was created to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services, and displacement of homeowners experiencing financial hardship after January 21, 2020. 


Financial hardship means a material reduction in income or material increase in living expenses associated with the coronavirus pandemic that has created or increased risk of mortgage delinquency, mortgage default, foreclosure, loss of utilities or home energy services, or displacement for a homeowner. 


Do you need help with the online application or have questions about the Illinois Homeowner Assistance Fund? Contact us – we are here to help!