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INFOGRAPHIC: Native American Homebuyer Programs – A Comprehensive Report

Native American First-time Homebuyer Loan Program

INFOGRAPHIC: Native American Homebuyer Programs – A Comprehensive Report

Mar 01, 2018
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Native American Homebuyer Programs

Native American Homebuyer Programs

Native American Homebuyer Programs

I’m sure you’ve heard pieces of what I’m about to say 100 times before, but as a trusted Realtor© in Bryan County, I never tire of assisting my clients and revealing the truth about purchasing a home.  So, here’s the line.  “Buying a home is no small feat!”  In all likelihood, this will be the largest and most complex financial transaction you may ever undertake, but the real issue for many lies in gaining access to financial assistance which can make everything less overwhelming.

Unbeknownst to many, there’s quite the growing number of funding options and opportunities out there, especially for Native American homebuyers. If you are a tribal member looking to buy your first home, here is a list of programs that may help you achieve that dream.

Section 184 Loan

The most widely available and the biggest secret weapon for Native Americans

As a Native American or Alaskan Native tribal member, you might be eligible to receive a home loan that is backed by the Office of Loan Guarantee, HUD. HUD has an Office of Native American Programs, which focuses on making it more affordable for Native Americans to purchase residential property both on and off native lands. HUD works with certain lenders that offer Native Americans home financing options at an affordable rate while reducing out of pocket prices for closing costs, mortgage insurance, and many other fees.  Section 184 is the most widely used benefit available for Native Americans boasting 33,280 loans as of March 31, 2016!

What are the Benefits of Using a Section 184 Loan?

If you’re eligible for a Section 184 loan, you should absolutely get one instead of going through a traditional mortgage company. This is because of the provision that allows for a low-down payment.

  1. For example, securing a loan for less than $50,000 can be done by putting down only 1.25%. And if you’re receiving a loan for over $50,000, your down payment is still a very low 2.25%. That’s one of the best rates available for US citizens, and can save you thousands of dollars right from the start.
  2. The second benefit is that you get to pay low-interest rates with a Section 184 loan. Instead of having an interest rate that is calculated using your credit score, you instead receive standard market rates, which can also save you additional money every month during the term of your loan.

What Can You Use Section 184 Loans For?

Section 184 loans can be used to purchase primary residence single family homes between one to four units.

  • You can purchase an existing home.
  • You can construct a new home.
  • You can rehabilitate a home.
  • You can purchase and rehabilitate a home.
  • You can or refinance your home.
  • **One important thing to note here is that you can’t use the funds for investment properties or second homes, but you can use it on residential duplexes, triplexes, and quadruplexes, which can bring in consistent passive income each month.


Interested in Learning More About Section 184? Give me a call at 580-238-1404 or schedule an appointment here:

Down Payment Closing Cost Assistance


For pre-approved households with a CDIB, the Choctaw Nation Home Finance provides assistance, if the property is located within its servicing area.

Terms: Must meet credit guidelines, 1% down payment required, maximum 2% of down payment is provided



The Housing Counseling and Loan Services Department of the Chickasaw Nation offers this loan for its citizens. Applicants must be pre-approved for a home loan (primary residence) and cannot own an investment property.

Terms: One-time grant, up to $3,000



Open to enrolled Caddo Tribe members with income limits between $36,050 to $68,000 depending on family size.

Terms: First-time homebuyers, CNDH income verification


Muscogee (Creek)

The borrower must be determined eligible under the Native American Housing and Self-Determination Act (NAHASDA) and must live within the Oklahoma State. Preferably for Creek Citizens who are first time home buyers.

Terms: Income must be within 50% to 80% of the national median range, subject to credit checks



Down payment assistance is open to first-time homebuyers who are looking to buy a home within the Osage Nation Reservation.

Terms: Funds are provided up to 15% of the purchase price/closing costs, maximum amount is $5,000



The Kaw Housing Authority provides housing assistance for Kaw tribal members.

Terms: One-time payment of $2,500 for down payment/closing costs



The Otoe-Missouria Tribe helps its members own a home through its Tribal Homebuyer Assistance (THBA) Program.

Terms: Up to $6,000 are provided for down payment and closing costs


Mortgage Assistance Program (MAP)


This program helps low to moderate income families become homeowners. The monetary assistance is given to first time home buyers who are qualified Cherokee Nation citizens.

Terms: Household income must be below 80% of the NAHASDA range, funds offered up to $20,000


Indian Home Loan Guarantee Program

More commonly known as Section 184, this program is managed by the U.S. Department of Housing and Urban Development or HUD. It provides federally recognized American Indians/Alaskan Natives opportunities to own a home through private lenders.

Terms: Fixed interest rate, 30 year-loan, maximum loan amount is 150% (depending on the area), no prepayment penalty


Choctaw Homebuyers Advantage Program (CHAP)

This program is open to all Choctaw Tribal members nationwide. The Choctaw Home Finance Department provides assistance for down payment and closing expenses, in cooperation with mortgage lenders.

Terms: Applications are subject to credit approval, no income guidelines, lender sets mortgage interest comparable to current market rates


Revolving Loan Fund (RLF)

Among other home financing needs, this fund can be used to purchase a home. Applicants must be a resident of the Choctaw Nation servicing area and a federally recognized tribe member.

Terms: Applicable income is 80% and below national median limit, 30-year loan


Native American Direct Loan (NADL) program

Part of this program includes purchase assistance for Native American Veterans who wish to buy a home on a Native American Trust land. The loan is provided by the Department of Veterans Affairs, with no down payment and no private mortgage insurance. The veteran tribe member must have a signed MOU to obtain NADL.

Terms: Fixed 30-year mortgage, low closing costs, 4% interest rate, up to $424,000 maximum loan limit


Lease with Option to Purchase Program

Muscogee (Creek):

According to Muscogee (Creek) Nation’s Department of Housing, this program offers affordable housing opportunities for low-income Native American families who are willing to live in its jurisdictional area. A CIBD (Certificate Degree of Indian Blood) or tribal membership is required. The applicant must have a minimum annual income of $15,000 to demonstrate payment ability.

Terms: After 25 years, the leased home becomes the sole property of the home buyer, provided that all the obligations (utilities/maintenance/monthly dues) have been met.


Sac and Fox:

The Housing Authority of Sac and Fox Nation offers its Lease Option Housing Program for its members. The lease is renewed every year, with an option to purchase anytime. Monthly house payments will not exceed 30% of annual income.

Terms: 25-year contract


PHA Down Payment Assistance Program

For Native American residents of Ottawa and Delaware Counties in the State of Oklahoma, down payment assistance is given to low-income applicants who wish to purchase a home.

Terms: Peoria tribe and Ottawa tribe members are preferred; funds are up to $18,000 maximum, first-come-first-served basis


DAHS Down Payment and Bridge Assistance Program (Kiowa)

Darko Affordable Housing Solutions offers down payment and closing cost assistance to eligible Native American households who qualify for a mortgage loan in Oklahoma. Bridge assistance is given to fund gaps which include the purchase of a home site.

Terms: Kiowa tribal members may receive a grant of up to $10,000, while other tribes (non-Kiowa) may receive up to $3,000.


DTHP Homeownership Opportunity Program

The Delaware Tribe Housing Program offers 3 to 4 bedroom units based on availability. Applicants must have an income between 50% to 80% of the NAHASDA limits. House payments will not exceed 30% of the applicant’s monthly income.

Terms: 30-year lease purchase contract


Tonkawa Tribal Housing Assistance Program

Homebuyer must be an enrolled member of the Tonkawa Tribe and must be gainfully employed. There are no income qualifications, nor limitations on the location of the purchased home.

Terms: One-time grant amount of $5,000


With most of these programs providing low-interest rates and competitive down payment options, you are now a step closer to owning a home. All it takes is a bit of research to know which programs best fits into your citizenship and eligibility.

Are you ready to buy your first home?  Lets see if you qualify for one or more of these programs today!  Let me know how I can assist you. Give me a call at 580-238-1404 or schedule an appointment here:

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  • About Me

    Hi, I am Brian Allen. Yes, that's correct—the Brian Allen—most notably known for being a country boy with extensive knowledge of digital marketing and a keen interest in helping my clients understand how simple and fun the home buying and/or selling journey can be. Yep, that's me!... Read more

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