Illinois launched the IDHAcess Home program to help working families buy homes by offering up to $15,000 for down payment and closing costs. Eligible buyers must have a credit score of 640+, purchase a primary residence in Illinois with a 30-year fixed mortgage, meet income and price limits, and have a debt-to-income ratio of 50% or lower. Pre-purchase counseling is required, and repayment occurs upon sale, refinance, or after 30 years.