1. Restrictions apply. 2. First-time borrowers must complete a city approved HUD-certified Homebuyer Education Course and receive a certificate of completion. Down payment assistance guidelines are subject to change at any time and without notice. 3. Geographic restrictions apply. Grant can be awarded in any amount from $3,000 to $6,000 based on three times the homebuyer’s contribution. Downpayment assistance loan limit is subject to change at any time and without notice. The downpayment may not be combined with any other FHLBC assistance for the same borrower in the same transaction. The grant is forgiven on a pro rata basis over a 60-month period and is based on the number of full moths the home is owned. 4. Downpayment assistance guidelines are subject to change at any time and without notice. 5. Eligible uses of grant: downpayment, closing cost assistance, escrow reserves deposited with the lender for property taxes, insurance, or monthly assessment and principal reduction on the loan. Must be 1-2 units and the borrowers primary residence. Home must be located within the six-county Metro Chicagoland Area (Cook, DuPage, McHenry, Will, Kane and Lake Counties), Lake County Indiana, and the Wisconsin counties of Kenosha, Racine, Milwaukee, Waukesha, Dane, Rock, Green, Gefferson, Layfayette and Wallworth. For a full list of nonprofit partners and what area each covers, vitist wintrust.com/buyergrant. Income limits based on U.S. Department of Housing and Urban Development’s median income by county.

All program, rates, terms, and conditons are subject to change at any time. All approvals are subject to underwriting guidelines.