U.S. Department of Veterans Affairs Native American Direct Loan

U.S. Department of Veterans Affairs Native American Direct Loan is a grant for homebuyers in Statewide, California. Direct loan from VA (not guaranteed by another lender). Available on Federal Trust Land for eligible Native American veterans. VA-direct fixed-rate mortgage for eligible Native American veterans purchasing, constructing, or improving a home on Federal Trust Land. No down payment, low rates, no PMI. This is a nationwide program, so it is available beyond a single state or city. Funding comes from U.S. Department of Veterans Affairs.

U.S. Department of Veterans Affairs Native American Direct Loan is structured as a grant, so it is not repaid. Repayment is triggered by per VA loan terms. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

U.S. Department of Veterans Affairs Native American Direct Loan is open to homebuyers who will live in the home as their primary residence. Sourced via Homebuyer Wallet (NT20250004). Restricted to eligible Native American veterans (or non-Native veteran married to Native American). Property must be on Federal Trust Land. Tribe must have Memorandum of Understanding with VA.

U.S. Department of Veterans Affairs Native American Direct Loan sets its income limit as follows: Per VA underwriting (no specific income cap). Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

U.S. Department of Veterans Affairs Native American Direct Loan can be used for Single-family on Federal Trust Land.

U.S. Department of Veterans Affairs Native American Direct Loan names veterans, active-duty service members, reservists and National Guard members, and American Indian and Alaska Native homebuyers 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.

U.S. Department of Veterans Affairs Native American Direct Loan is a nationwide program, so it is not limited to one state.

Applications for U.S. Department of Veterans Affairs Native American Direct Loan go through the administering agency. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.