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Illinois Housing Development Authority announces application deadline for “Hardest Hit” program

Homeowners have until April 30 to apply for $35,000 in mortgage payment assistance

Information provided by Illinois Housing Development Authority

CHICAGO, Ill. (April 24, 2019) – The Illinois Housing Development Authority (IHDA) is announcing the wind down of the Illinois Hardest Hit program, a federally funded initiative that helps those facing foreclosure to stay in their homes. Homeowners who are struggling to pay their mortgages due to unemployment, underemployment or financial hardship are encouraged to apply for up to $35,000 in mortgage payment assistance before the program closes on April 30. Interested homeowners can apply online for free at and will be automatically linked with a local housing agency that will answer questions, prescreen for eligibility, and assist homeowners in preparing the application and assembling the required supporting documentation.

“The Hardest Hit program leverages federal dollars to keep families, seniors and persons with disabilities from becoming homeless,” said Governor JB Pritzker. “I encourage homeowners struggling to make their mortgage payments to act now and apply before the deadline to ensure they receive assistance and can stay in their homes.”

Originally launched in September 2011, the Hardest Hit program provides up to $35,000 in forgivable assistance to homeowners who have experienced a 15% reduction in income due to a qualifying financial hardship. Hardships include unemployment or underemployment, decrease or loss of business income, loss of income due to disability or health-related event, or the death or divorce of a spouse or titleholder of the house. The program reinstates delinquent mortgages by paying all mortgage arrearage, fees and penalties, and makes loan payments on behalf of the borrower for up to 12 months. The assistance lets eligible homeowners stay in their home while they work to regain employment and financial stability. As of April 2019, 20,147 Illinois families have received mortgage payment assistance through the program.

“Not only do foreclosures impact families, but they impact the entire neighborhood. I supported the creation and funding of the Hardest Hit Fund because I believe that we still have work to do to address problems in the housing market and to bring stability back to our communities,” U.S. Senator Dick Durbin (D-IL) said. “I encourage anyone who is currently struggling to make their mortgage payments to apply before the deadline.”

Free applications for the program are available online through IHDA’s Illinois Hardest Hit website until April 30, 2019:

The Lansing Journal
The Lansing Journal
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