IHDA Home Accessibility Program

Illinois Housing Development Authority

Available Senior & Disability

About This Program

IHDA Home Accessibility Program is available to homeowners in Naperville, IL.

Provides forgivable loans to income-qualified Illinois homeowners for accessibility modifications benefiting a household member with a disability. Loan is forgiven after 10 years of continued occupancy.

Forgivable loan averaging $20,000 for accessibility modifications

Official program page checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

In Naperville, IL, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $30,000
  • For accessibility modifications
  • Income at or below 120% AMI
  • Household member must have disability
  • Forgiven after 10 years of occupancy

How to Apply

Get free help applying Visit Official Program Page Track this program

(312) 836-5200

A grant-savvy contractor in Naperville, IL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Naperville early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

The Illinois Housing Development Authority's Home Repair and Accessibility Program (HRAP) provides up to 40,000 to 45,000 dollars for low-income homeowners to make vital health and safety repairs and accessibility improvements so disabled or mobility-impaired residents can stay in their homes. You apply through a local grantee; demand exceeds funding, so most grantees keep a waitlist.

Steps to apply

  1. Confirm your household income is at or below 80 percent of the area median income and you own and occupy an eligible single-family home, condominium, or qualifying mobile home.
  2. Find an HRAP grantee serving your area on the IHDA website.
  3. Contact the grantee to apply and get on the waitlist.
  4. If selected, the grantee scopes the repairs (accessibility, full rehab, or roof) and manages the work.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Proof of household income (at or below 80 percent of area median income).
  • Documentation of the accessibility or health and safety needs.
  • A government-issued photo ID.
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications subject to fund availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can IHDA Home Accessibility Program provide in Naperville, IL?

Up to $30,000 forgivable loan.

Who qualifies for IHDA Home Accessibility Program in Naperville?

IHDA Home Accessibility Program is open to homeowners in Naperville, IL.

How do I apply for IHDA Home Accessibility Program in Naperville, IL?

Apply directly with Illinois Housing Development Authority using the official program link on this page or call (312) 836-5200. There is no middleman and no fee.

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