Funding Programs
HUD’s Office of Native American Programs (ONAP) administers six funding programs to Native American tribes, Alaskan villages, and Hawaiian Homelands. Below is a brief description of each and links to the program webpages.
Indian Housing Block Grant (IHBG)
Established by the Native American Housing Assistance and Self Determination Act of 1996 (NAHASDA), the IHBG program is a formula based grant program provided to Federally recognized Indian tribes or their tribally designated housing entity (TDHE), and a limited number of state recognized tribes who were funded under the Indian Housing Program authorized by the United States Housing Act of 1937 (USHA).
The grant amount received is determined annually based upon the Tribe’s current assisted housing stock and the need for additional low-income housing, as determined by population.
Eligible activities include housing development, assistance to housing developed under the Indian Housing Program, housing services to eligible families and individuals, crime prevention and safety, and model activities that provide creative approaches to solving affordable housing problems.
See related links:
- IHBG Homepage
- Directory of Tribes/TDHEs Eligible for IHBG Grants
- NAHASDA Statute
- IHBG Program Regulations 24 CFR 1000
- PIH Notices Applicable to Native American Programs
- ONAP Program Guidance
- Negotiated Rule Making
- Indian Housing Plan (IHP)/Annual Performance Report (APR) (HUD-52737)
- Grants Oversight and Monitoring
- Title VI Leveraging Program
Section 184 Indian Home Loan Guarantee Program
The Section 184 Program was created in 1992 to help increase Native access to homeownership by providing a guarantee to lenders on mortgage loans made to Native borrowers, including American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, and for new construction, rehabilitation, purchase of an existing home, or refinance.
By guaranteeing these loans 100%, lenders are encouraged to serve the Native Communities. This increases the marketability and value of the Native assets and strengthens the financial standing of Native Communities.
See related links:
- Section 184 Homepage
- Section 184 Program Regulations 24 CFR 1005
- Resources for Native Borrowers
- Resources for Tribes and TDHEs
- Resources for Mortgage Lenders and CDFIs
Indian Community Development Block Grant (ICDBG)
Awarded under an annual competition, Indian Community Development Block Grants provide single purpose grants to eligible grantees for housing rehabilitation, land acquisition, community facilities, infrastructure construction, and economic development activities that benefit primarily low and moderate income persons.
Eligible applicants for assistance include any Indian tribe, band, group, or nation (including Alaska Indians, Aleut, and Eskimos) or Alaska Native village which has established a relationship to the Federal government as defined in the program regulations. In certain instances, tribal organizations may be eligible to apply.
The Secretary of HUD may set aside 5% of each year's allocation for the noncompetitive, first come-first served, funding of grants to eliminate or lessen problems which pose an imminent threat to public health or safety.
See related links:
Title VI Loan Guarantee Program
Also authorized under NAHASDA, the Title VI Loan Guarantee Program assists Indian Housing Block Grant recipients (borrower) who want to finance eligible affordable housing activities, but are unable to secure financing without the assistance of a federal guarantee.
The borrower pledges future IHBG grant funds as security for repayment of the loan obligation to a private lender or investor who then provides lump sum project financing. HUD provides a guarantee to the lender or investor to repay all or a portion of the unpaid principal balance and accrued interest if a borrower fails to repay the debt and a default is declared. HUD repays the obligation and will seek reimbursement from the borrower’s future IHBG grant funds.
See related links:
Native Hawaiian Housing Block Grant (NHHBG)
NAHASDA was amended in 2000 to add Title VIII-Housing Assistance for Native Hawaiians. The amendment to NAHASDA added a similar program for Native Hawaiians who reside on Hawaiian Home Lands to the Indian Housing Block Grant.
See related links:
Section 184A Native Hawaiian Home Loan Guarantee
Authorized in 2000, the Section 184A program provides access to sources of private financing for home ownership, property rehabilitation, and new construction opportunities for eligible Native Hawaiian individuals and families. The use of the Section 184A Loan Guarantee Program is limited to owner-occupant single family dwellings located on Hawaiian home lands.
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