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Four Directions Development Corporation Down Payment Assistance

Four Directions Development Corporation (Native CDFI) · Orono, Maine

Last verified
See what you qualify forOfficial program site →
Assistance

$5,000–$5,000

The maximum the program publishes — not an offer

Income limit

100% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Four Directions Development Corporation Down Payment Assistance?

Four Directions Development Corporation Down Payment Assistance is a grant for homebuyers in Orono, Maine, administered by Four Directions Development Corporation (Native CDFI).

  • Four Directions Development Corporation (FDDC), a Native CDFI in Orono serving members of Maine's Wabanaki tribes (Passamaquoddy, Penobscot, Maliseet, Mi'kmaq), provides $5,000 in down payment assistance to eligible Native Americans in Maine for a home purchase, on or off reservation. Availability depends on funding.
  • $5,000 toward down payment for eligible Native American homebuyers.
  • On- or off-reservation.
  • Pairs with FDDC residential mortgage products.

How much assistance does it provide?

Four Directions Development Corporation Down Payment Assistance offers between $5,000 and $5,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Four Directions Development Corporation (Native CDFI) determines any individual award.

Do you have to pay it back?

Four Directions Development Corporation Down Payment Assistance is structured as a grant, so it is not repaid.

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

Who qualifies?

Four Directions Development Corporation Down Payment Assistance is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through 8-hour First-Time Homebuyer Education workshop (hoMEworks / mainehomeworks.org) prior to closing
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Exclusive to eligible Native Americans in Maine (Passamaquoddy, Penobscot, Maliseet, Mi'kmaq). Income at/below 100% NAHASDA median; 8-hour homebuyer education before closing; availability subject to funding. Could not confirm: recapture terms, credit/DTI, exact NAHASDA dollar income limits.

The program excludes

  • New construction
  • Households above 100% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Four Directions Development Corporation Down Payment Assistance limits household income to 100% of the area median income, which varies by county and household size.

  • Applicant income at/below 100% of current NAHASDA median household guidelines. Specific dollar limits follow NAHASDA/HUD median income data (not separately tabulated on page).
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Four Directions Development Corporation Down Payment Assistance can be used for Single Family.

  • New construction is not eligible.

Is there eligibility for specific groups?

Four Directions Development Corporation Down Payment Assistance 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?

Four Directions Development Corporation Down Payment Assistance serves buyers purchasing in Orono, Maine.

How do you apply?

Applications for Four Directions Development Corporation Down Payment Assistance go through Four Directions Development Corporation (Native CDFI), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through 8-hour First-Time Homebuyer Education workshop (hoMEworks / mainehomeworks.org) prior to closing.

  2. Contact Four Directions Development Corporation (Native CDFI) to reserve funds

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

  3. 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.

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