Together, America Prospers

Native Community Development Financial

Institution Relending Demonstration Program

What does this 

program do?

The Native Community 

Development Financial 

Institution (Native CDFI) 

Relending Demonstration 

Program is designed to improve 

homeownership opportunities for 

Native American Tribes, Alaska 

Native Communities, and Native 

Hawaiian Communities in rural 

areas.

The program provides mortgage 

lending capital to Native CDFIs 

through a 33-year loan at 

one percent interest, with a 

three-year payment deferral 

at loan onset. Using at least 

20 percent matching funds 

provided by Native CDFIs, these 

demonstration program loans are 

then passed through to eligible 

mortgage loan recipients living 

on Tribal Lands.

Who can apply for this program?

Entities certified as Native Community 

Development Financial Institutions 

by the U.S. Treasury Secretary can 

apply for this relending demonstration 

program.

What is an eligible area?

Eligible areas include:

• Tribal lands as defined in the 

Notice of Funding Announcement 

published in the Federal Register 

and available on the Native CDFI 

Relending Demonstration Program 

webpage at this link:

https://tinyurl.com/mr43rdfa.

• Land as defined in the Alaska 

Native Claims Settlement Act (43 

USC 1606(a) – available at this link: 

https://tinyurl.com/2mfwtffx - PDF)

• Hawaiian Homelands as defined 

in the Native American Housing 

Assistance and Self-Determination 

Act of 1996 (25 USC 4221 – 

available at this link:

https://tinyurl.com/yj9hbfm6 - PDF)

• Areas designated by the Assistant 

Secretary – Indian Affairs for the U.S. 

Department of the Interior as being 

near – or next to – reservations 

where financial assistance and 

social service programs are 

provided to Indians. Information is 

available at this link:

https://tinyurl.com/mrxjzc6b.

How can funds be used?

Native CDFI Relending Demonstration 

Program funds must be used to provide 

direct loans to recipients to buy, build, 

rehabilitate, improve, or relocate a 

primary residence on eligible land. The 

borrower must use the dwelling as their 

permanent residence.

Is there a deadline to apply? 

The application deadline is July 17, 

2023.

What are some of the loan terms? 

• The minimum loan request for 

the participating Native CDFI is 

$800,000.

• The participating Native CDFI must 

provide a 20 percent matching funds 

contribution.

• Individual loans have terms of 33 

years at 1 percent, fixed interest.

• USDA Rural Development will defer 

principal and interest payments for 

the first three years of the loan.

• Relending Demonstration loan funds 

must be provided to individual loan 

recipients within three years of the 

loan closing date.

How do we get started?

Application documents are available at 

this link: https://tinyurl.com/mr43rdfa. You 

can also request paper application 

packages from USDA Rural 

Development by sending an email to 

SFHDIRECTPROGRAM@usda.gov.
Native Community Development Financial

Institution Relending Demonstration Program

What governs this program? 

• The Consolidated Appropriations Act 

of 2023 (available at this link:

https://tinyurl.com/2mtbsknc)

• The Housing Act of 1949 as 

amended: 7 CFR, Part 3550 

(available at this link:

https://go.usa.gov/xzcvG)

• HB-1-3550 - Direct Single Family 

Housing Program Field Office 

Handbook (available at this link: 

https://go.usa.gov/xzcvM - PDF)

USDA’s Native CDFI webpage

NOTE: Because information changes, always consult official program instructions 

or contact your local Rural Development office for help. A list is available at this link: 

https://go.usa.gov/xJHPE. You will find additional resources, forms, and program 

information at https://rd.usda.gov. 

USDA is an equal opportunity provider, employer, and lender.

Last Updated May 2023