Skip to Body

Frequently Asked Questions             Download PDF

This grant program is intended for low-to moderate-income Chicago homeowners who have been impacted by the economic fallout from COVID-19, including people who have lost their jobs through layoff or furlough, as well as people who have retained their jobs but have had their hours or wages severely reduced. Applicants must be behind on their mortgage payments, may be on a forbearance plan, and must be 18 years of age or over, or a financially independent minor.
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.
Eligible Chicagoans must demonstrate that their household was at or below 120% of the Area Median Income (AMI) prior to their change in employment status (due to the crisis) in order to receive the grant. For instance, if you live in a household with four people, to meet the income eligibility requirements, your total household income would have to be at or below $111,840. Use the chart below to determine your income eligibility. First, find the number of people in your household and then look below at the maximum total income allowable for the size of your household.

City of Chicago Area Median Income Limits (AMI) Chart
(as of April 1, 2021 per the U.S. Department of Housing and Urban Development):
Household Size1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
Area Median Income
* See full chart here.
Being diagnosed with COVID-19 coronavirus is not a requirement to receive this grant. The COVID-19 Housing Assistance Grant is meant to assist Chicagoans who have experienced a loss of employment or reduction in income (after March 1, 2020) due to COVID-19 outbreak and government mandated sheltering place orders. If you have experienced a loss of income due to having to self-quarantine because you were exposed to or contracted the virus, you may be eligible for the COVID-19 Housing Assistance Grant.
Only one (1) grant per household/address will be awarded.
Residents on a fixed income do not qualify for this program. The City of Chicago Mortgage Assistance Grant is meant to assist Chicagoans who have experienced a loss of employment or reduction in income (after March 1, 2020) due to COVID-19.
The NHS team is dedicated to processing applications in a personal and professional manner and will work with you to verify any documentation you are able to provide to determine your eligibility. All applicants must make best efforts to demonstrate their eligibility for the program, including those with non-traditional employment situations.
Grants will be awarded on a first come, first served basis based on receipt of a complete set of proof of eligibility documents.
The grant money will be delivered in the form of a wire transfer to the client’s loan servicer. The client will also be notified via e-mail. If you have questions related to this area, please call us at 800-831-7949.