Illinois offers various down payment assistance (DPA) programs to help first-time and moderate-income homebuyers. Statewide programs include forgivable loans, deferred loans, and repayable loans with no or low interest. Local programs in counties like Cook, Madison, and Lake provide forgivable loans with income limits based on area median income (AMI). City programs in Chicago, Normal, and Romeoville offer grants or forgivable loans with specific eligibility criteria. These programs reduce upfront costs and support affordable homeownership.