IHDA Access Home Modification Loan

Illinois Housing Development Authority

Available Senior & Disability

About This Program

Low-interest loan program for Illinois homeowners to make accessibility modifications for household members with disabilities. Covers ramps, lifts, widened doorways, roll-in showers, and other permanent modifications to improve accessibility.

Loan at reduced interest rate, 10-year term, monthly payment varies by amount borrowed

Official source site checked live on 2026-06-17.

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

Key Details

  • Low-interest loan up to $20,000
  • For permanent accessibility modifications
  • Household member must have documented disability
  • 10-year repayment term available
  • Lower rates than conventional home equity loans

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 942-8439

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

Get matched with a contractor

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

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
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

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