Welcome to the Illinois Hardest Hit Program

Welcome to the Illinois Hardest Hit Program

Welcome. We’re here to help.

The Illinois Housing Development Authority (IHDA) has partnered with the U.S. Department of Treasury to offer temporary mortgage payment assistance to households that are struggling with income loss due to unemployment or underemployment, but are working to regain sufficient income to keep their home. Borrowers may be currently experiencing an income loss or experienced one in the past that caused them to get behind on their mortgage payments.


Follow the step-by-step instructions on this site to apply. Once you begin your application, you will be assigned to a review agency who will assist you through the application process and help review your eligibility for the program.

The Illinois Hardest Hit Program offers two types of assistance:

  1. Reinstatement assistance to pay mortgage arrearages, fees, and penalties in full, and
  2. Monthly mortgage payment assistance to pay 100% of the mortgage payment owed to the servicer for up to 18 months while the household makes monthly contribution payments to the Illinois Housing Development Authority during their enrollment in the program. Maximum assistance is $25,000, depending on location.