IHDA Home Accessibility Program

Illinois Housing Development Authority (IHDA)

Available Senior & Disability

About This Program

Forgivable loan for modifications that make a home accessible for a person with disabilities. Loan is forgiven after 10 years of continued occupancy. Covers ramps, widened doorways, accessible bathrooms, and other modifications.

Forgivable loan forgiven after 10 years of occupancy; no repayment required if conditions met

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $30,000 for accessibility modifications
  • Income at or below 120% AMI
  • Loan forgiven after 10 years of occupancy
  • Covers ramps, bathroom modifications, doorways
  • Person with disability must reside in home

How to Apply

Get free help applying Visit Official Program Page Track this program

(312) 836-5200

A grant-savvy contractor in St. Charles, 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 St. Charles early keeps your application moving.

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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: Applications accepted on rolling basis

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