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IHDA HAF Home Repair

Elevate’s IHDA HAF Home Repair waitlist is now closed.

Program Overview

Elevate has partnered with the Illinois Housing Development Authority (IHDA) to administer the Illinois Homeowner Assistance Fund Home Repair Program (HAFHR). The program helps homeowners who have been financially impacted by COVID-19 make eligible critical home repairs of up to $60,000 per household. The home repair grants carry a 3-year forgivable recapture agreement.

Please note that due to limited program funding, not all eligible households will receive assistance.

Program Goals

The main goals of the HAFHR program are to:

  • Improve the health and well-being of occupants
  • Help eligible homeowners remain in their homes
  • Make housing repair grants to eligible homeowners negatively impacted – and housing insecure – as a result of the Covid-19 pandemic and unaddressed home repairs
  • Preserve existing affordable housing stock
  • Provide investment in disadvantaged communities

Project Timing

HAFHR will operate from January 1, 2024 through September 30, 2026.

Project Covers Home Repairs

  • The per unit construction cost limit is $60,000.

Examples include but are not limited to the following:

  • Addressing health, safety and code violations;
  • Roofing, soffit/fascia/gutters, drainage and runoff management;
  • Electrical and plumbing systems;
  • Foundations, existing decks and existing porches;
  • Modifications and improvements for accessibility to allow the elderly or disabled to age in place;
  • Environmental modification and improvements;
  • “Soft” costs include title search, inspection, recording fees, lead wipes and lab fees, and termite inspection and treatments.
  • Other vital and necessary repairs specific to the home’s needs.

Eligibility Parameters

Eligible Households

  • Certify to a financial hardship after January 21, 2020, related to the COVID-19 pandemic.
  • Have income less than or equal to 150 percent of the area median income (as determined by geographic proxy, when applicable). Area Median Income (AMI) Chart
  • Own and occupy the property as the primary residence.
  • Be current on mortgage payments OR not have a mortgage payment.
  • Reverse mortgage, home equity line of credit, contract for deed or ownership held in a trust are all ineligible ownership models for this program.
  • Homeowners who received HAF housing assistance are eligible to apply.

Eligible Properties

  • Single-family home including Accessory Dwelling Unit (ADU): a small residence that shares a single-family lot with a larger, primary dwelling
  • 2-to-4-unit residential building where owner lives in one unit (common areas and owner-occupied units are eligible)
  • Manufactured home on a permanent foundation
  • In all of the above, the homeowner owns the land, and the property is taxed as real estate.
  • Condominium or Cooperative Units

Ineligible Properties

  • No reverse Mortgages
  • No investment properties
  • No properties with a home equity line of credit
  • No ownership in trust or under a contract-for-deed
  • No properties primarily used for business (more than 50% of the floorspace is used for business)
  • Conflicts of interest between the grantee and homeowner must be avoided and are prohibited. For example, the grantee or third-party administrator may not enroll an employee’s residence in their HAFHR program.

Contact us

Phone: 872-242-9659
Email: HAFHomeRepairProgram@Elevatenp.org