Illinois Emergency Homeowner Assistance Fund is now open!


Illinois Homeowner Assistance Fund is now open April 11- May 31, 2022. Homeowners are strongly encouraged to  participate in webinars to learn more on ILHAF details and to schedule an appointment with GROWTH as a  HUD-approved housing counseling agency now. 

Rock Island, IL- Illinois homeowners experiencing financial hardship associated with the COVID-19 pandemic can  apply for a housing assistance grant of up to $30,000 starting on Monday, April 11 at 9 a.m. through 11:59 p.m.  on May 31, 2022 here: ILHAF. The program is administered by the Illinois  Housing Development Authority (IHDA), who will begin accepting applications from homeowners to eliminate or  reduce past-due mortgage and property tax payments through the Illinois Homeowner Assistance Fund (ILHAF)  program. 

Rock Island Economic Growth Corporation d/b/a Economic Growth Corporation (GROWTH) is serving as a  Housing Stability Service provider for the ILHAF and is a HUD-approved housing counseling agency. Illinois  homeowners wishing to apply for ILHAF should schedule a meeting with GROWTH as a HUD-approved housing  counseling agency as soon as possible. 


The ILHAF program was established by the American Rescue Plan Act to help homeowners who have been  financially impacted by COVID-19 with certain housing-related costs. The program’s goal is to prevent: 

  • Mortgage issues like delinquencies, defaults, or foreclosures
  • Loss of power services or other home utilities
  • Homeowners being displaced or losing the ability to live in their home

Eligible homeowners may receive grants of up to $30,000 per household to pay: 

  • Delinquent mortgage payments 
  • Mortgage reinstatement or other housing-related costs related to a period of forbearance  necessitated by the pandemic 
  • Delinquent property taxes 
  • Delinquent homeowner’s insurance and/or flood insurance 
  • Delinquent Homeowners’/Condominium/Co-Op Association fees 
  • Delinquent mobile home lot rent 
  • Up to 3 months of prospective payments, if necessary 

Assistance will be paid directly to the mortgagor’s loan servicer, taxing body, or other approved entity on behalf  of the homeowner. Homeowners that have been disproportionately impacted by the pandemic will be prioritized  in the distribution of funds. 


As a requirement of the application for ILHAF, homeowners will be required to contact their mortgage servicer or a HUD-certified housing counseling agency to discuss loss mitigation options before they are eligible to receive  assistance. Homeowners are strongly encouraged to attend a webinar hosted in advance of the application portal  opening. These sessions will provide a road map for you to follow to make the application process more efficient.  Topics will include: 

  • Description of loss mitigation 
  • Mortgage basics 
  • Foreclosure process 
  • The ILHAF application process and program eligibility 
  • Other free resources available to you, including housing counseling and legal aid 

Those wishing to learn more about the ILHAF are strongly encouraged to attend an informational webinar hosted  by IHDA or GROWTH to learn about the ILHAF application process, program eligibility, and other free resources  available to help Illinois homeowners save their home. GROWTH has three webinars scheduled weekly and can  be found here: 

A list of acceptable documentation so applicants can begin to prepare along with other ILHAF information can be  found at here: ILHAF


As a HUD-approved housing counseling agency since 2003, GROWTH has 3 HUD-certified housing counselors on  staff. Anyone interested in applying should call to make an appointment now as GROWTH anticipates an influx of  appointments causing a longer wait period to be seen by a housing counselor. GROWTH is serving the following  Illinois counties for the ILHAF program: 

  • Rock Island  
  • Mercer 
  • Henry  
  • Whiteside  
  • Carroll  
  • Jo Daviess  
  • Ogle 
  • Sangamon 
  • 60901 Zip Code (Irwin, Kankakee) 
  • 61604 Zip Code (Peoria, Bellevue, West Peoria) 

GROWTH is an Equal Housing Opportunity Provider. To schedule a housing counseling appointment with  GROWTH, please do so online here: or call (309) 788- 6311. 

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