FHLBank Des Moines Native American Homeownership Initiative (NAHI)

FHLBank Des Moines Native American Homeownership Initiative (NAHI)是面向Missouri购房者的补助金，由Federal Home Loan Bank of Des Moines (through participating member financial institutions)管理。 The Native American Homeownership Initiative (NAHI) is a down payment and closing cost assistance grant program from FHLBank Des Moines for qualifying Native (American Indian, Alaska Native, and Native Hawaiian) homebuyers across the FHLBank Des Moines district, which includes Missouri. Grants are accessed through participating member financial institutions on a first-come, first-served basis. Grant of $25,000 per household toward down payment and closing costs for qualifying Native homebuyers. 资金来自FHLBank Des Moines Affordable Housing Program (AHP) set-aside。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)提供最高$25,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Federal Home Loan Bank of Des Moines (through participating member financial institutions)决定。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)属于补助金，因此无需偿还。 触发还款的情形：Prorated repayment if home sold within 5 years (forgiven for sale at a loss, sale to another LMI buyer, or foreclosure)。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程。 For qualifying Native (American Indian/Alaska Native/Native Hawaiian) households. Must work with a participating FHLBank Des Moines member financial institution. Income-eligible (at or below 80% AMI). First-come, first-served with a $150,000-per-member limit; quarterly releases in 2026 (Jan 2, Apr 1, Jul 1, Oct 1). Five-year retention/deed restriction with prorated repayment if sold within five years. Confirm current funding availability through a member lender.

FHLBank Des Moines Native American Homeownership Initiative (NAHI)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Income-eligible owner-occupant households at or below 80% of area median income (size-adjusted). 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)服务于在Missouri任何地方购房的购房者。

FHLBank Des Moines Native American Homeownership Initiative (NAHI)的申请通过Federal Home Loan Bank of Des Moines (through participating member financial institutions)办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。