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.

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.

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.

Mortgage Assistance Program (MAP) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Applicant and spouse/partner must not have owned a home in the previous 3 years; exceptions for documented domestic violence. A homebuyer education course is required, through HACN Homebuyers Education class and Self-Sufficiency Counseling. Residency requirement: Home within the Cherokee Nation reservation. Citizenship or immigration status: Member of a federally recognized tribe; preference to Cherokee Nation citizens. 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.

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.

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

Mortgage Assistance Program (MAP) names 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.

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

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. 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.