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Emergency Mortgage Assistance (EMA) Program

The Illinois Housing Development Authority developed the Emergency Mortgage Assistance Program (EMA) to support Illinois homeowners unable to pay their mortgages due to a COVID-19-related loss of income.

If approved, homeowners will receive a grant for up to $15,000 to cover missed mortgage payments beginning as early as March 2020 and prepay mortgage payments through 2020, or until the $15,000 is exhausted.

Applications for EMA will be accepted Aug. 24-Sept. 4. Due to the anticipated high volume, the application window may close early.

An FAQ for the EMA Program also provides more information.

*Note, this program is no longer accepting new applicants. For the latest information about the status of applications and any other questions related to this program, please contact IHDA