Navajo Housing Authority Homeownership Down Payment Assistance Program

What is Navajo Housing Authority Homeownership Down Payment Assistance Program?

Navajo Housing Authority Homeownership Down Payment Assistance Program is a deferred second loan for homebuyers in Navajo Nation (AZ/NM/UT) County, Arizona, administered by Navajo Housing Authority (NHA).

• NAHASDA/IHBG-funded DPA for tribal members.
• Bridges gap between borrower resources and lender requirements.
• Works with Section 184 loans.
• 15 regional Housing Management Offices.
• Navajo Nation is largest IHBG recipient ($133M FY2024).
• This is a federal program, so it is available beyond a single state or city.
• Funding comes from Native American Housing Assistance and Self-Determination Act (NAHASDA) / Indian Housing Block Grant (IHBG).

Do you have to pay it back?

Navajo Housing Authority Homeownership Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Navajo Housing Authority Homeownership Down Payment Assistance Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Navajo Housing Authority Homeownership Down Payment Assistance Program sets its income limit as follows: Must qualify as low-income per NAHASDA definition (generally ≤80% of area median income for the applicable service area).

• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Is there eligibility for specific groups?

Navajo Housing Authority Homeownership Down Payment Assistance Program names American Indian and Alaska Native buyers among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Navajo Housing Authority Homeownership Down Payment Assistance Program is a federal program, so it is not limited to Arizona.

• The program targets specific areas: Navajo Nation tribal service areas across Arizona, New Mexico, and Utah.
• Targeted neighborhoods: Navajo Nation reservation and service areas; 15 Housing Management Offices serve different regions.

How do you apply?

Applications for Navajo Housing Authority Homeownership Down Payment Assistance Program go through Navajo Housing Authority (NHA), which publishes the current terms and the application steps on its own site.

1. 1

   Contact Navajo Housing Authority (NHA) to reserve funds

   Funds are reserved with the provider and are subject to availability.

2. 2

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.