hey prescott.
See what you qualify for

Lumbee Tribe Down Payment Assistance Program

Robeson, Hoke, Cumberland, Scotland County, North Carolina

Last verified
See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 5 years

What is Lumbee Tribe Down Payment Assistance Program?

Lumbee Tribe Down Payment Assistance Program is a forgivable loan for homebuyers in Robeson, Hoke, Cumberland, Scotland County, North Carolina.

  • The Lumbee Tribe Down Payment Assistance Program is a tribal-restricted DPA for enrolled members of the Lumbee Tribe of North Carolina. The Lumbee Tribe is a state-recognized (NOT federally recognized) tribe; however, the Tribe receives HUD Native American Housing funding and administers a HUD-approved tribally designated housing entity (TDHE). Provides up to $15,000 in forgivable second-lien financing for first-time tribal homebuyers purchasing in the Tribe's primary service area (Robeson, Hoke, Cumberland, Scotland counties). Forgiven over 5 years.
  • Up to $15,000 0% interest deferred forgivable second-lien loan for down payment and closing costs for enrolled Lumbee tribal members. Forgiven over 5 years.
  • Funding comes from HUD Native American Housing Block Grant (NAHBG); Lumbee Tribe Housing Department; State of North Carolina pass-through.

Do you have to pay it back?

Lumbee Tribe Down Payment Assistance Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale, transfer, or non-owner-occupancy within 5-year affordability period triggers repayment of unforgiven balance.
  • The assistance is recorded in 2 position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Lumbee Tribe Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: First-time homebuyer required (3-year look-back); HUD displaced-homemaker/single-parent exemptions.
  • The home is occupied as a primary residence
  • On credit: No published minimum; lender underwriting governs. HUD Section 184 minimum 580.
  • A completed homebuyer education course, through Lumbee Tribe HUD-approved housing counselor or other HUD counseling agency; 8-hour homebuyer education required.
  • Residency: Property must be in Lumbee Tribe service area: Robeson, Hoke, Cumberland, or Scotland County, NC. Applicant must be an ENROLLED member of the Lumbee Tribe of North Carolina.
  • Citizenship or immigration status: Enrolled Lumbee tribal member required (verified by tribal enrollment card).
  • *** TRIBAL-RESTRICTED PROGRAM: Eligibility limited to ENROLLED MEMBERS of the Lumbee Tribe of North Carolina. The Lumbee Tribe is STATE-RECOGNIZED (Lumbee Act of 1956) but NOT FEDERALLY recognized; despite this, the Tribe receives HUD Native American Housing Block Grant (NAHBG) funding and administers tribal housing programs. *** Property must be located in the Lumbee Tribe's primary service area: Robeson, Hoke, Cumberland, and Scotland counties (NC). First-time homebuyer required. Income up to 80% HUD AMI. Buyer contributes $500. Tribal enrollment card required at application.

The program excludes

  • Households above 80% 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?

Lumbee Tribe Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% HUD AMI for property county (varies). HUD Indian Housing Block Grant uses 80% AMI threshold.
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 8.
  • 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?

Lumbee Tribe Down Payment Assistance Program caps the purchase price as follows: Sales price capped at HUD HOME Homeownership Value Limits for property county; HUD Section 184 also has separate price caps.

  • Eligible property types include Single-family detached, townhouse, manufactured home on permanent foundation.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

Lumbee Tribe Down Payment Assistance Program names veterans, active-duty service members, reservists and National Guard members, surviving spouses, American Indian and Alaska Native buyers, educators, law enforcement officers, firefighters, healthcare workers, and buyers with disabilities 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?

Lumbee Tribe Down Payment Assistance Program serves buyers purchasing in Robeson, Hoke, Cumberland, Scotland County, North Carolina.

  • The program targets specific areas: Lumbee Tribe primary service area: Robeson, Hoke, Cumberland, and Scotland counties, NC.

How do you apply?

Applications for Lumbee Tribe Down Payment Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Lumbee Tribe HUD-approved housing counselor or other HUD counseling agency; 8-hour homebuyer education required..

  2. Contact the administering agency to reserve funds

    Funds are reserved through Apply via Lumbee Tribe Housing Department; first-come, first-served., 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.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs