BCMW Administers Illinois Housing Development Authority Programs

assists low- and very low-income homeowners with funds for vital health and safety repairs and accessibility improvements. The program, through these activities, aims to preserve existing affordable housing stock, provide investment in disadvantaged communities, improve the health and well-being of occupants, and help low-income and disabled or mobility-impaired individuals remain in their homes.

Eligible homeowners may receive up to $45,000 in assistance for eligible repairs and/or accessibility improvements, while homeowners participating in the Roof Only option may receive up to $21,500. Assistance is provided to homeowners in the form of a 5- or 3-year forgivable loan. Please note, total household income must be at or below 80 percent of the Area Median Income (AMI)to be eligible for the program. 

that funding and organizational capacity is limited, and many grantees will have a waiting list for applicants.

Due to limited program funding, not all eligible households will receive funding.

is from March 15, 2023, and ends March 15, 2025. 

There are no extensions to this grant.  Only services BCMW’s four county area:

Bond, Clinton, Marion and Washington counties in Illinois.  

Our current grant will complete rehabilitation work on approximately 8 homes within BCMW’s service area. 

 An ongoing waiting list covers BCMW’s four (4) county area. 

 Requirements when applications are taken from BCMW’s existing waiting list:

• Property taxes paid up to date.
• Mortgage information (if applicable)
• Homeowner Insurance (if applicable. This could possibly be part of grant funds for this property)

A recapture agreement (lien) will be recorded in the property’s county after receipt of this grant. This lien will be released by IHDA after the recapture timeline has expired.

Repairs could include:

• Health & Safety items
• Code violations brought up to date 
• Accessibility (ADA):  

                  Ramps, bathrooms etc.

• Energy efficiency enhancements

BCMW follows the HUD (US Department of Housing and Urban Development) HQS Housing Quality Standards. These standards determine what work needs to be done for each home. 

A qualified BCMW assessor will do an assessment per the HQS.

Each property is case-by-case. 

Single family homes (stick built) are eligible for this program.

Mobile Homes are eligible IF:

• It is on a permanent foundation
• Taxed as real estate
• Title in applicant's name
• Ground is applicant owned 

Per IHDA requirements, if the property has any of the following it would be ineligible for this program:

• In a trust
• Has any liens, other than a mortgage