Niktoria Julian REAL Estate Broker

08/27/2026

Under Contract!

08/13/2026

Chicago homebuyers! You may qualify for up to $100,000 in purchase assistance toward an eligible new-construction BNAH home. 🔑

Message me “BNAH” to learn more and see if you may qualify.

08/06/2026

Your ALL invited! Join me on Sunday August 9, 2026 at the Open House!

08/06/2026

New Alert!

08/06/2026

07/13/2026

The Affordable Requirements Ordinance (ARO) requires big developments to set aside a percentage of units at controlled, affordable prices.

These units look exactly like the market‑rate homes in the same building, but the price is locked by the city and tied to income limits.

If you qualify under the income guidelines, you can buy brand‑new construction in Chicago for far below market value and most people never even apply.

Who qualifies:
– First‑time or returning buyers
– Must meet income limits (typically 60%–100% AMI)
– Must be an owner‑occupant
– Must complete homebuyer education
– Must meet mortgage readiness requirements

Where to find ARO homes:
– Chicago Department of Housing (DOH)
– Chicago Community Land Trust (CCLT)
– Neighborhood Housing Services (NHS)
– Developer listings
– Affordable unit databases

Why ARO matters:
It’s one of the only ways to buy new construction in Chicago at below‑market pricing.

ARO units offer long‑term affordability, lower monthly payments, and access to neighborhoods that would otherwise be unaffordable.

07/13/2026

🚨🚨🗣🗣
Chicago DPA = Chicago’s Down Payment Assistance Program, run by the Chicago Department of Housing (DOH). It gives grant money to help buyers cover:

- Down payment
- Closing costs
- Prepaid expenses

This is not a loan — it’s grant assistance tied to income limits.

Chicago DPA typically provides:

- $10,000
- $15,000
- $20,000

The amount depends on:

- Income
- Household size
- Mortgage type
- Neighborhood
- Funding cycle

These funds stack with IHDA, FHA, HomeReady, Home Possible, and even HCV Homeownership.

Chicago DPA is for:

- First‑time homebuyers
- Buyers purchasing inside Chicago city limits
- Buyers under income limits (usually 80%–140% AMI depending on program)
- Buyers completing HUD‑approved homebuyer education
- Buyers using an approved lender

It works extremely well for:

- Reentry
- Transitional housing
- Homelessness recovery
- Low‑income buyers
- Voucher holders
- Buyers using FHA or conventional 3% down

Chicago DPA is accessed through:

- Chicago Department of Housing (DOH)
- Approved lenders
- NHS Chicago
- Chicago Community Land Trust. (CCLT)HUD‑approved counseling agencies
You cannot apply directly through the city without a participating lender.

Chicago DPA is one of the only programs that:

- Accepts FHA
- Accepts low credit
- Accepts low income
- Accepts non‑traditional credit
- Works with voucher holders
- Works with federal grants
- Works with rehab programs
- Works with ARO + CCLT units

It is the fastest path from instability → homeownership inside Chicago.

07/13/2026

New Listings Alert! Don't miss the opportunity

06/30/2026

Coming Soon!

04/19/2026

With Niktoria Julian – I'm on a streak! I've been a top fan for 8 months in a row. 🎉