Housing
Rental assistance, home repair grants, affordable housing, and homebuyer programs.
5 programs available
Emergency Rental Assistance Program (ERAP)
Provides financial assistance to renters who are behind on rent payments due to financial hardship. Helps prevent eviction and maintain housing stability.
Who Qualifies
Must be a Chicago renter experiencing financial hardship. Income limits apply. Must demonstrate risk of housing instability.
HomeGrown Purchase Assistance Program
City of Chicago program launched June 2026 providing up to $70,000 in down payment and closing cost assistance for low- and moderate-income homebuyers. Funded by $21 million from the City's Housing and Economic Development Bond, the program aims to assist 300–400 households in achieving homeownership. Zone A (high-cost areas like Lincoln Park, Lake View): grants of $40,000–$70,000. Zone B (low-income tracts like Englewood, Roseland): grants of $10,000–$50,000. Grant is forgivable after 5 years of primary residency.
Who Qualifies
First-time homebuyers who are Chicago residents. Income up to 120% AMI (Zone A) or 150% AMI (Zone B). Must purchase a 1–2 unit home as primary residence for at least 5 years. Must complete 6–8 hours of HUD-approved homebuyer education. Must contribute at least 1% of purchase price from personal funds. Must have a fixed-rate mortgage with back-end DTI of 38% or less. Must be clear of outstanding municipal debts or on a payment plan.
Neighborhood Lending Program (NLP)
Assists low-to-moderate-income homebuyers with forgivable loans or grants for down payments, closing costs, or property rehabilitation.
Who Qualifies
Must be a qualifying low-to-moderate-income borrower purchasing a home in Chicago.
Small Accessible Repairs for Seniors (SARFS)
Grants for senior homeowners to make safety and accessibility improvements such as grab bars, railings, and wheelchair ramps.
Who Qualifies
Must be a senior (age 60+) who owns and occupies a home in Chicago. Income limits apply.