City of Chicago Mortgage Assistance Qualification and Application

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  • City of Chicago Mortgage Assistance Qualification and Application

The City of Chicago is offering up to $3,300 in mortgage assistance to residents who are behind on their mortgage payments and have been financially impacted by the pandemic. This program is administered by one of the community partners in the district, Neighborhood Housing Services (NHS). Grant amounts awarded will be based on the amount needed to bring your mortgage current. Eligible homeowners will have the assistance paid directly to their mortgage servicer.

HOWEVER, if you received a mortgage assistance grant from NHS of Chicago or the Illinois Housing Development Authority last year (2020), you are not eligible for this mortgage assistance program.

To be eligible for assistance, you must:
– Be a resident of the City of Chicago
– Live in the home (single family up to 4 units) for which you are applying for assistance. It must be your primary place of residence.
– Demonstrate your total household income was 120% or below the Area Median Income (AMI) prior to March 1, 2020. (See table below.)
– Have a mortgage on your home that was current as of March 1, 2020 and is now delinquent. You may be on a forbearance plan.
– Have experienced a change in your financial status after March 1, 2020 due to the COVID-19 crisis.
– Be 18 years of age or over, or be a financially independent minor.

For other eligibility requirements and to learn what documentation is needed, please go to:

To start your application please go to:

For any information or questions related to these programs, please call the Neighborhood Housing Services (NHS) at 800-831-7949, or email