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Oneida Nation Comprehensive Housing Down Payment Loan

Oneida Nation Comprehensive Housing Division · Oneida, Wisconsin

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Repayment

Deferred

No payments until the home is sold or refinanced

What is Oneida Nation Comprehensive Housing Down Payment Loan?

Oneida Nation Comprehensive Housing Down Payment Loan is a deferred second loan for homebuyers in Oneida, Wisconsin, administered by Oneida Nation Comprehensive Housing Division.

  • The Oneida Nation Comprehensive Housing Division offers a down payment loan used in coordination with the HUD Section 184 Indian Home Loan Guarantee Program for enrolled Oneida tribal members purchasing or building on Oneida Nation trust land. Funds are contingent upon allocation. Elders (55+) and Oneida Veterans may receive a discounted interest rate.
  • Down payment loan for tribal members on Oneida trust land.
  • Pairs with Section 184.
  • Elder/Veteran rate discount.
  • Covers purchase and new construction.

Do you have to pay it back?

Oneida Nation Comprehensive Housing Down Payment Loan is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by Contingent upon funding allocations; terms set by loan officer at approval.
  • The assistance is recorded in second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Oneida Nation Comprehensive Housing Down Payment Loan is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Transunion credit rating of 550 or more required
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Must be an enrolled Oneida Nation of Wisconsin member. Property on Oneida Nation land. Funds contingent on annual allocation. DTI must not exceed 36%. Interest rate, max loan amount, and terms set by loan officer.

The program excludes

  • Manufactured homes

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 kind of home can it be used for?

Oneida Nation Comprehensive Housing Down Payment Loan can be used for Single Family.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Is there eligibility for specific groups?

Oneida Nation Comprehensive Housing Down Payment Loan 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?

Oneida Nation Comprehensive Housing Down Payment Loan serves buyers purchasing in Oneida, Wisconsin.

  • The program targets specific areas: Home must be on land owned by the Oneida Nation of Wisconsin (tribal trust land).

How do you apply?

Applications for Oneida Nation Comprehensive Housing Down Payment Loan go through Oneida Nation Comprehensive Housing Division, which publishes the current terms and the application steps on its own site.

  1. Contact Oneida Nation Comprehensive Housing Division to reserve funds

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

  2. 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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