Mazzochi: Financial Assistance Programs Available

Mortgage Assistance

The Illinois Housing Development Authority (IHDA) just announced it is reopening a mortgage assistance program designed to assist homeowners financially impacted by the pandemic on Tuesday November 1st. The Illinois Homeowner Assistance Fund (ILHAF) provides up to $30,000 in mortgage assistance to eligible homeowners —
paid directly to the servicer, taxing body or other approved entity — while homeowners work to regain their financial footing. Whether homeowners have a mortgage, a reverse mortgage, or are mortgage-free, the program can fund past due housing payments and up to three months of prospective mortgage payments.

To qualify for ILHAF assistance, Illinois homeowners must have experienced a financial hardship due to the COVID-19 pandemic after Jan. 21, 2020 (including a hardship that began before Jan. 21, 2020, but continued after that date). They also must currently own and occupy their home in Illinois as their primary residence, be at least 30 days late on their monthly housing payments and have a household income at or below 150% of the area median income.Potential applicants must demonstrate they have either communicated with their mortgage provider about their inability to pay, or sought counseling with a HUD-approved counseling organization. Interested homeowners are strongly encouraged to attend an information session hosted by IHDA or one of our housing partners. 

The program is free and funds do not need to be repaid. Application, program information and updates can be found at

Weatherization Assistance

As temperatures drop throughout the state, we are reminded that a long, cold, and expensive winter is just around the corner. The Illinois Department of Commerce and Economic Opportunity offers the Illinois Home Weatherization Assistance Program (IHWAP), which helps low income residents and households conserve fuel and reduce energy costs by making their homes and apartments more energy efficient. IHWAP also provides many health and safety upgrades ensuring safe and healthy homes.

Eligibility depends on household income. To be eligible to receive assistance, the household’s combined income must be at or below 150% of the federal poverty level using State funds, and 200% of the federal poverty level using DOE and HHS funding. For a 4 person household for instance, this means an income of less than $38,625 for state funds and $51,550 for federal funds.

Find a Community Action Agency (CAA) serving your area and apply for assistance.

Other State Assistance

Click the link to find a Community Action Agency (CAA) even if you are not interested in financial assistance in weatherization, you may also be eligible for assistance with:

  • Rental Assistance
  • Food
  • Energy Utility Bill Assistance
  • Water/Sewer Payment
  • Employment Training/Placement
  • Financial Management