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Native Community Development Financial Institution Relending Demonstration Program

Paper submissions: The Agency must receive a paper application by 4:30 p.m. local time, July 17, 2023.
Electronic applications: The Agency must be submitted by 11:59 p.m. Eastern Time (ET) on July 17, 2023.

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:

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.

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.

Is there a deadline to apply?

The application deadline is July 17, 2023.

How do we get started?

Application documents are available under the To Apply tab. You can also request paper application packages from USDA Rural Development by sending an email to SFHDIRECTPROGRAM@usda.gov.

What governs this program?


NOTE: Because citations and other information is subject to change, always consult the program instructions listed in the section above titled “What Governs This Program?” You can also contact your local office for assistance. You will find additional forms, resources, and program information at rd.usda.gov.

Paper submissions:

The Agency must receive a paper application by 4:30 p.m. local time, July 17, 2023. Application can be mailed to: USDA Rural Development, Washington State Office, Attention: Andria Hively, 1835 Black Lake Blvd. SW, Olympia, WA 98512.

Electronic submissions:

Electronic applications must be submitted via email to brian.hudson@usda.gov by 11:59 p.m. Eastern Time (ET) on July 17, 2023.

Interest Rates:

The interest rate will be one percent. Interest and principal payments will be scheduled annually. The initial principal and interest payment will be deferred by the Agency for 3 years. Loan funds must be disbursed and delivered to the ultimate recipients within three years from the date of loan closing.

Application Resources & Forms:

CONTACT INFO: Brian Hudson, Finance and Loan Analyst, Single Family Housing Direct Division, Special Programs and New Initiatives Branch at (608) 697–7725 (voice) (this is not a toll-free number) or brian.hudson@usda.gov.