Money that might be sitting there
cook county down payment assistance, 5% of the first loan, up to $25,000
income cap 120% of area median income, no income cap at all in a qualified census tract or disproportionately impacted area
forgivable second loan, not a grant, forgiven over 5 years. min credit score 600. first-time buyers need hud-approved counseling before closing; repeat buyers eligible too
qct designation 2026. dia is checked on the official illinois worknet map. verified 2026-09-13.