---
type: "Bill"
title: "TEACHER HOMEBUYER ASSISTANCE"
description: "Creates the Teacher Homebuyer Assistance Act. Requires the Illinois Housing Development Authority to establish and administer a program to provide down payment assistance to public school teachers who teach in hard-to-staff schools or hard-to-staff positions for purchasing residences within the school district. Provides that the assistance shall be in the form of a deferred payment, low-interest subordinate mortgage loan with a term not longer than the term of the first mortgage loan, with interest accruing at a rate of up to 5% per annum. Provides that if the borrower has continuously been a teacher for the 5-year period immediately following the date of recordation of the loan deed of trust, then repayment of the loan shall be forgiven and considered a grant. Provides that repayment of the principal and accrued interest is due and payable upon the occurrence of certain events. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "95th"
identifier: "SB 1224"
citation: "Illinois SB 1224 (95th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 63
vote_count: 2
first_action: "2007-02-09"
last_action: "2007-08-27"
source: "openstates"
source_identifier: "ocd-bill/0a0887cf-062e-4b95-a276-e99900c4db52"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=1224&GAID=9&DocTypeID=SB&LegId=29309&SessionID=51&GA=95"
source_hash: "5b16b0610671c8eeb9d4e87135b98fb7ded089d132339518c89d74b13080f52a"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-il"]
---

# Illinois SB 1224 (95th) — TEACHER HOMEBUYER ASSISTANCE

Creates the Teacher Homebuyer Assistance Act. Requires the Illinois Housing Development Authority to establish and administer a program to provide down payment assistance to public school teachers who teach in hard-to-staff schools or hard-to-staff positions for purchasing residences within the school district. Provides that the assistance shall be in the form of a deferred payment, low-interest subordinate mortgage loan with a term not longer than the term of the first mortgage loan, with interest accruing at a rate of up to 5% per annum. Provides that if the borrower has continuously been a teacher for the 5-year period immediately following the date of recordation of the loan deed of trust, then repayment of the loan shall be forgiven and considered a grant. Provides that repayment of the principal and accrued interest is due and payable upon the occurrence of certain events. Effective immediately.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500SB1224&GA=95&SessionId=51&DocTypeId=SB&LegID=29309&DocNum=1224&GAID=9&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500SB1224eng&GA=95&SessionId=51&DocTypeId=SB&LegID=29309&DocNum=1224&GAID=9&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500SB1224enr&GA=95&SessionId=51&DocTypeId=SB&LegID=29309&DocNum=1224&GAID=9&Session=&print=true)

## Votes

- Third Reading — **56–0** (pass) · upper
- Third Reading — **117–0** (pass) · lower

## Sponsors

- Cynthia Soto — cosponsor (person)
- Edward J. Acevedo — cosponsor (person)
- Elizabeth Hernandez — cosponsor (person)
- Harry Osterman — cosponsor (person)
- John A. Fritchey — cosponsor (person)
- John E. Bradley — cosponsor (person)
- Karen A. Yarbrough — cosponsor (person)
- Linda Holmes — primary (person)
- Maria Antonia Berrios — cosponsor (person)
- Sandy Cole — cosponsor (person)
- Susana A Mendoza — cosponsor (person)
- Wyvetter H. Younge — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2007-02-09** Filed with Secretary by Sen. Linda Holmes `filing`
- **2007-02-09** First Reading `reading-1`
- **2007-02-09** Referred to Rules `referral-committee`
- **2007-02-21** Assigned to Financial Institutions `referral-committee`
- **2007-02-23** Added as Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2007-03-02** Postponed - Financial Institutions
- **2007-03-06** Added as Chief Co-Sponsor Sen. Kimberly A. Lightford
- **2007-03-07** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Linda Holmes `amendment-introduction`
- **2007-03-07** Senate Committee Amendment No. 1 Referred to Rules `referral-committee`
- **2007-03-07** Senate Committee Amendment No. 1 Rules Refers to Financial Institutions
- **2007-03-08** Senate Committee Amendment No. 1 Adopted `amendment-passage`
- **2007-03-08** Do Pass as Amended Financial Institutions; 007-002-000 `committee-passage`
- **2007-03-08** Placed on Calendar Order of 2nd Reading March 13, 2007
- **2007-03-08** Added as Chief Co-Sponsor Sen. Dan Kotowski
- **2007-03-08** Added as Co-Sponsor Sen. Michael Bond
- **2007-03-08** Added as Co-Sponsor Sen. Michael Noland
- **2007-03-14** Second Reading `reading-2`
- **2007-03-14** Placed on Calendar Order of 3rd Reading March 15, 2007
- **2007-03-21** Senate Floor Amendment No. 2 Filed with Secretary by Sen. Linda Holmes `amendment-introduction`
- **2007-03-21** Senate Floor Amendment No. 2 Referred to Rules `referral-committee`
- **2007-03-27** Senate Floor Amendment No. 2 Rules Refers to Financial Institutions
- **2007-03-28** Senate Floor Amendment No. 2 Recommend Do Adopt Financial Institutions; 008-000-000
- **2007-03-30** Recalled to Second Reading `reading-2`
- **2007-03-30** Senate Floor Amendment No. 2 Adopted; Holmes `amendment-passage`
- **2007-03-30** Placed on Calendar Order of 3rd Reading
- **2007-03-30** Added as Chief Co-Sponsor Sen. Susan Garrett
- **2007-03-30** Added as Co-Sponsor Sen. James T. Meeks
- **2007-03-30** Added as Co-Sponsor Sen. David Koehler
- **2007-03-30** Added as Co-Sponsor Sen. Martin A. Sandoval
- **2007-03-30** Added as Co-Sponsor Sen. Edward D. Maloney
- **2007-03-30** Third Reading - Passed; 056-000-000 `reading-3, passage`
- **2007-04-02** Arrived in House `introduction`
- **2007-04-02** Placed on Calendar Order of First Reading `reading-1`
- **2007-04-02** Alternate Chief Sponsor Removed Rep. Eddie Washington
- **2007-04-02** Chief House Sponsor Rep. Eddie Washington
- **2007-04-09** First Reading `reading-1`
- **2007-04-09** Referred to Rules Committee `referral-committee`
- **2007-04-18** Added Alternate Chief Co-Sponsor Rep. Elga L. Jefferies
- **2007-04-19** Added as Co-Sponsor Sen. Gary Forby
- **2007-04-25** Added Alternate Chief Co-Sponsor Rep. Paul D. Froehlich
- **2007-04-27** Added Alternate Co-Sponsor Rep. John E. Bradley
- **2007-04-30** Assigned to Housing and Urban Development Committee `referral-committee`
- **2007-05-01** Added Alternate Co-Sponsor Rep. Sandy Cole
- **2007-05-16** Do Pass / Short Debate Housing and Urban Development Committee; 005-000-000 `committee-passage`
- **2007-05-17** Placed on Calendar 2nd Reading - Short Debate
- **2007-05-18** Added as Co-Sponsor Sen. Mattie Hunter
- **2007-05-24** Second Reading - Short Debate `reading-2`
- **2007-05-24** Placed on Calendar Order of 3rd Reading - Short Debate
- **2007-05-30** Third Reading - Short Debate - Passed 117-000-000 `reading-3, passage`
- **2007-05-30** Passed Both Houses
- **2007-05-30** Added Alternate Co-Sponsor Rep. Wyvetter H. Younge
- **2007-06-04** Added Alternate Co-Sponsor Rep. Cynthia Soto
- **2007-06-04** Added Alternate Co-Sponsor Rep. Elizabeth Hernandez
- **2007-06-04** Added Alternate Co-Sponsor Rep. Edward J. Acevedo
- **2007-06-04** Added Alternate Co-Sponsor Rep. Harry Osterman
- **2007-06-04** Added Alternate Co-Sponsor Rep. John A. Fritchey
- **2007-06-04** Added Alternate Co-Sponsor Rep. Karen A. Yarbrough
- **2007-06-04** Added Alternate Co-Sponsor Rep. Maria Antonia Berrios
- **2007-06-04** Added Alternate Co-Sponsor Rep. Susana A Mendoza
- **2007-06-28** Sent to the Governor `executive-receipt`
- **2007-08-27** Governor Approved `executive-signature`
- **2007-08-27** Effective Date August 27, 2007
- **2007-08-27** Public Act . . . . . . . . . 95-0449 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0a0887cf-062e-4b95-a276-e99900c4db52`. Confidence: reported (aggregated from official Illinois legislature records).