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Native American Housing Opportunities (NAHO) Fund

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  • How to Apply
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Native American Housing Opportunities (NAHO) Fund

Building and Preserving Native American Housing

Program Overview

The FHLB Dallas District is home to 31 federally recognized Native American tribes with a combined population exceeding 745,000. Our Native American Housing Opportunities (NAHO) Fund is designed to address the housing-related needs of these tribes and their Tribally Designated Housing Entities (TDHEs).

The NAHO Fund provides grants from $50,000 to $150,000 to support housing initiatives that the tribes and TDHEs—organizations working at the local level—identify as critical to meeting tribal housing needs. To apply for NAHO funding, tribes and TDHEs must partner with an FHLB Dallas member institution. Member-sponsored applications may be submitted beginning June 3, 2024 until funds are exhausted or July 12, 2024 – whichever occurs first. Applications will be reviewed on a first come, first served basis. Awards will be announced on or about August 30.   

Available Funds as of June 3, 2024: $1,000,000

Helping Native American Tribes with Affordable Housing

FHLB Dallas is pleased to introduce the Native American Housing Opportunities Fund. With the assistance of our member institutions, we look forward to building and preserving housing for Native American tribes.

$1 Million in Grants to Support Native American Housing

Benefits for Your Financial Institution

Differentiate your institution by providing access to grant funding that supports the housing needs of tribal communities. 

Increase your support of housing in traditionally underserved areas. 

Grow your customer relationships with federal recognized tribes and TDHEs. 

Using the NAHO Fund, eligible FHLB Dallas members can access grants to help meet the housing needs of federally recognized tribes or Tribally Designated Housing Entities (TDHEs) within the FHLB Dallas District.

How It Works

FHLB Dallas members partner with a tribal entity to apply for funds. The tribe or TDHE completes the application and supporting documentation, and the member submits the application on their behalf. Our team is committed to ensuring that the process is as easy and streamlined as possible for our members and the tribal entity.
  1. Customer Engagement: Promote the NAHO Fund to eligible tribes and TDHEs in the areas you serve. 
  2. Application for Funding: Work with your tribal partners to prepare and submit their applications for funding. Applications are reviewed in the order received, and 2024 awards will be announced on or around August 30, 2024.
  3. Funds Disbursement: Grants are disbursed to the sponsoring FHLB Dallas members for distribution to awarded tribal partners.
  4. Ongoing Support: Contact us at any time to access support and resources to help your organization maximize the program’s reach and impact. Our team is always ready and willing to respond to your questions.

Applying for a NAHO Grant

Submit the completed application with supporting information to the FHLB Dallas Community Investment Department via email to beginning June 3, 2024 until funds are exhausted or July 12, 2024 – whichever occurs first.. Applications received after that date will not be considered for funding.
FHLB Dallas NAHO Application
NAHO grants are available to federally recognized tribes or Tribally Designated Housing Entities (TDHEs) located within the FHLB Dallas five-state District of Arkansas, Louisiana, Mississippi, New Mexico and Texas. To apply for funding, applicants must partner with FHLB Dallas member institution. If your organization is interested in applying, contact an FHLB Dallas member institution for more information about your organization’s eligibility and the application process.

Applications for NAHO funding must be submitted by an eligible FHLB Dallas member financial institution. FHLB Dallas does not accept applications directly from tribal entities.

Eligible Uses of Funds

NAHO funds must be used support housing-related activities for tribal members residing in the Bank’s District. Eligible uses include:
  • Down payment/closing cost assistance for home purchases
  • Repairs to owner-occupied homes
  • Rental assistance for tribal members
  • New construction or rehabilitation of existing housing
  • New program or product development
  • Enhancements to information technology and systems used for housing programs
  • Consultant fees (nonemployees, separately invoiced)
  • Predevelopment /consulting costs 

Reporting Requirements

NAHO grant recipients must certify that the funds were used as specified in the application and must submit an impact report regarding the effectiveness of the grant in achieving the desired outcomes. The impact report is required by September 1, 2025.
Eligibility for awards in future years will depend on past performance. If applying for future funds prior to the report date, the organization must complete the report and submit it along with their application.
The materials below provide more detailed information regarding the NAHO Fund to help you apply.