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Habitat Illinois Building Impact

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HIBI Training: April 17, 2024

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HIBI Training Part I

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HIBI Training Part II

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II” button_alignment=”center” _builder_version=”4.20.2″ _module_preset=”default” custom_margin=”|||-34px||” global_colors_info=”{}”][/et_pb_button][et_pb_button button_url=”/wp-content/uploads/2023/09/HIBI-Affiliate-Reference-Workbook-REV-2023-09-22.xlsx” url_new_window=”on” button_text=”Reference Workbook” button_alignment=”center” _builder_version=”4.22.2″ _module_preset=”default” custom_margin=”|||-25px||” global_colors_info=”{}”][/et_pb_button][et_pb_button button_url=”https://habitatillinois.org/wp-content/uploads/2023/02/MyDec-Instruction-Sheet-2023-02-15.pdf” url_new_window=”on” button_text=”MYDEC Instruction Sheet” button_alignment=”center” _builder_version=”4.20.2″ _module_preset=”default” custom_margin=”|||-25px||” global_colors_info=”{}”][/et_pb_button][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_4,1_4″ disabled_on=”on|on|on” _builder_version=”4.16″ _module_preset=”default” disabled=”on” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://youtu.be/HZa1kVVzQQ4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://habitatillinois.org/wp-content/uploads/2019/08/impact-insets.png” title_text=”impact-insets” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”||on” _builder_version=”4.16″ custom_margin_tablet=”” custom_margin_phone=”4px||-78px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”1px||0px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” 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Habitat Illinois Building Impact

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What is the Habitat Community Impact Fund Program?

The Habitat program is a grant generously provided by Illinois Housing Development Authority (IHDA) to Habitat for Humanity of Illinois (HFH Illinois). The grant is for $2,000,000 to provide down payment assistance for Habitat homebuyers. The funding agreement will allow HFH Illinois to make forgivable loans to qualifying Low, and Very Low Income Habitat families to buy down the sales prices to ensure the mortgage does not exceed 30% of gross monthly income.

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Building Impact Round 4 Update

Habitat Illinois Building Impact Round 4 has been approved for $2,000,000.

Thank you again for all your patience as we move into Round 4. The program is officially opened and updated documents are available on this site.  Each funding cycle is a learning experience for all of us and we truly value and appreciate IHDA’s support.  Northern Fox Valley will be the Administrator of Round 4 and have requested the following:

1) Please send the name of your affiliate and the name and email address of the person responsible for requesting down payment grants to dp@habitatnfv.org.  This person will receive an invitation for a Dropbox folder exclusively for their affiliate to securely upload documents. 

2) Habitat for Humanity of Northern Fox Valley will be hosting a HIBI Q&A session on Monday, March 9th at 10am. Dial in# 712-775-7031, Access Code: 250-660-645#.  While this call is not mandatory, it is strongly encouraged to ensure applications and documentation are submitted accurately.

We have served 169 families with these grants and look forward to serving more. Thank you again for helping us move families into safe, secure, and affordable housing. 

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Habitat Illinois Building Impact FAQs

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If the income is retirement or disability, yes. Please define “stipend” — or check the inclusion/exclusion list to see if it is more clearly defined for the type of income you are requesting.

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The down payment will be a recorded lien against the property. If there are funds available, the balance will be returned to IHDA at the time of foreclosure settlement. If no funds are available, IHDA will release.

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Development costs include all costs including Gift in Kind, staff costs, etc. Check HfHI’ s approved house pricing document on my.habitat Document expenses and payment to show costs exceed appraised value and provide documentation with request.

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  • The loans will be made to facilitate the acquisition of homes across Illinois.
  • Each loan will be in an amount capped at $20,000 for Very Low Income Households, and $15,000 for Low Income Households.
  • Each loan will be interest-free and have a term of five years.
  • Each loan will be forgiven at the rate of one-sixtieth (1/60th) of the amount of the loan at the end of each month over the term period.*

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  • To qualify as Low Income, the applicant’s household must have an income that is less than or equal to eighty percent (80%) of the area median income for the metropolitan statistical area or county in which the home is located (Using HUD’s Part 5 Income Definition).
  • To qualify as Very Low Income, the applicant’s household must have an income that is less than or equal to fifty percent (50%) of the area median income for the metropolitan statistical area or county in which the home is located (Using HUD’s Part 5 Income Definition).
  • All homes, households, and contractors must comply with all federal, state and local governmental approvals required by law.
  • The Housing Debt to Income ratio for the household must be thirty percent (30% ) or less.
  • The Total Debt to Income ratio for the household must be forty-one (41%) or less.

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  • IHDA Housing Application
  • IHDA Income Calculator
  • Certificate of Income
  • Fully executed purchase contract
  • Commitment from conventional lender or other institution to make 1st mortgage loan to household
    Current appraisal of home showing value of home not exceeding the amount of the first mortgage loan to the
    household
  • Copy of calculations by affiliate showing debt-to-income ratio under 30% (housing) and 41% (total). (see IHDA Monthly Homebuyer Housing Debt Worksheet)
  • Copies of executed note and mortgage for Habitat mortgage loan (Originals are sent to IHDA)
  • Certificate of housing counseling (Form and Certificate are sent to IHDA)
  • Home owners’ insurance policy with IHDA listed as additional insured
  • Title commitment
  • Copy of calculations by sponsor showing debt-to-income ratio of under 35% (housing) and 41% (total)
  • Copy of note and mortgage for 1st mortgage loan
  • Certificate of Counseling

[/et_pb_accordion_item][/et_pb_accordion][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” _builder_version=”4.16″ custom_padding=”1px|||||” da_disable_devices=”off|off|off” disabled=”on” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”1px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Downloads” _builder_version=”4.16″ z_index_tablet=”500″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength_tablet=”1px” border_width_bottom=”3px” border_color_bottom=”#00acd7″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” global_colors_info=”{}”]

Downloads – 2020 forms and docs coming soon

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_2,1_2″ disabled_on=”off|off|off” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text disabled_on=”off|off|off” module_class=”gray-link2″ _builder_version=”4.16″ z_index_tablet=”500″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” global_colors_info=”{}”]Application for Down Payment Assistance R4

IHDA Income Calculator 2019

IHDA Income Calculator User Guide

CFR Part 5 Definition of Annual Income

2019 Income Limits

HFH Pre-Closing Checklist R4

HFH Sample File Checklist R4 HFH Document

HFH Disbursement Checklist R4[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text module_class=”gray-link2″ _builder_version=”4.16″ z_index_tablet=”500″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” global_colors_info=”{}”]

Authority for Release of Information R4

Request for Payment Certification – Project R4

Closing Instructions Memo R4

Pre-Purchase Counseling Acknowledgement R4

Monthly Homebuyer Housing Debt Worksheet R4

Assistance Impact Statement R4

HFH Program Manual HFH CIF R4

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*Provided, however that if (x) property is sold or otherwise transferred within five (5) years of making the loan, other than by inheritance to a co-owner of the property or by operation of law upon the death of a joint tenant or to a spouse as a result of a divorce of co-owners, or (y) the household ceases to occupy the home as their principal residence with this five (5) year period or (z) a refinancing of the home resulting in the household being allowed to receive a cash payment, the household shall repay to IHDA the amount of the loan reduced by one-sixtieth (1/60th) of that amount out of net proceeds for each full month the household occupied the property. Please see IHDA Note and Mortgage for more information.

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