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Mortgage Assistance Program (MAP)

Housing Authority of the Cherokee Nation (HACN) · Tahlequah, Oklahoma

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Assistance

$25,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Mortgage Assistance Program (MAP)?

Mortgage Assistance Program (MAP) is a grant for homebuyers in Tahlequah, Oklahoma, administered by Housing Authority of the Cherokee Nation (HACN).

  • The Mortgage Assistance Program (MAP) helps low-to-moderate income Cherokee families become homeowners by providing up to $25,000 in down payment assistance plus credit coaching. Assistance may be used to purchase an existing home or construct a new one within the Cherokee Nation reservation. Recipients complete homebuyer education and counseling, and the lender and loan terms must be HACN-approved.
  • Up to $25,000 down payment assistance.
  • Individualized credit coaching.
  • Purchase or new construction.
  • Free homebuyer education.
  • Funding comes from NAHASDA.

How much assistance does it provide?

Mortgage Assistance Program (MAP) offers up to $25,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Housing Authority of the Cherokee Nation (HACN) determines any individual award.

Do you have to pay it back?

Mortgage Assistance Program (MAP) 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?

Mortgage Assistance Program (MAP) 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: Applicant and spouse/partner must not have owned a home in the previous 3 years; exceptions for documented domestic violence.
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through HACN Homebuyers Education class and Self-Sufficiency Counseling.
  • Residency: Home within the Cherokee Nation reservation.
  • Citizenship or immigration status: Member of a federally recognized tribe; preference to Cherokee Nation citizens.
  • DRAFT (dpa-gap-finder 2026-06-10): pending review. Tribal eligibility (federally recognized tribe, Cherokee preference); home within reservation. Min 540 sq ft on <5 acres. Credit score, DTI, lien position, forgiveness, recapture not stated on program page.

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?

Mortgage Assistance Program (MAP) limits household income to 80% of the area median income, which varies by county and household size.

  • <=80% National Median (NAHASDA, eff May 05 2025): 1 $58,352; 2 $66,688; 3 $75,024; 4 $83,360; 5 $90,029; 6 $96,698; 7 $103,366; 8 $110,035.
  • The limit applies to total household income, not only the borrower&rsquo;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?

Mortgage Assistance Program (MAP) can be used for Single Family and New Construction.

  • New construction is eligible.

Is there eligibility for specific groups?

Mortgage Assistance Program (MAP) 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?

Mortgage Assistance Program (MAP) serves buyers purchasing in Tahlequah, Oklahoma.

How do you apply?

Applications for Mortgage Assistance Program (MAP) go through Housing Authority of the Cherokee Nation (HACN), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HACN Homebuyers Education class and Self-Sufficiency Counseling..

  2. Contact Housing Authority of the Cherokee Nation (HACN) 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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