{"id":29355,"date":"2024-06-21T07:00:52","date_gmt":"2024-06-21T14:00:52","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=29355"},"modified":"2026-04-05T21:18:56","modified_gmt":"2026-04-06T04:18:56","slug":"buyer-native-american-down-payment-assistance","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/","title":{"rendered":"Discover the World of Homebuying Assistance for Native Americans"},"content":{"rendered":"<p>Buying a house is an uphill battle, and if there are ways to give you an edge, you should take them! Native Americans can benefit from a number of special government assistance programs that are specially set up for them. Some of these initiatives can help when it comes to buying a house, in specific the part that includes coming up with a down payment.<\/p>\n\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">Find an Expert Buyer's Agent to Help You Navigate a Shifting Market<\/h3>\n                        <p>Looking to buy a home, but need some help navigating the market? Now is still a great time to buy, work with an expert real estate agent to help you find your dream home.<\/p>\n        \n                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/find-agent\/quiz\/buyer?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Find a Buyer's Agent<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n\n<p><a href=\"https:\/\/www.homelight.com\/agents\/jennifer-wilson-nm-jenwil\">Jennifer Wilson<\/a>, a real estate agent in <a href=\"https:\/\/www.homelight.com\/albuquerque-nm\/top-real-estate-agents\">Albuquerque<\/a> who sells homes more than 45% quicker than the average agent in her area, says she works with approximately one buyer each year who uses a Native American-targeted government-sponsored loan program. Specifically, her clients go through the U.S. Department of Housing and Urban Development\u2019s Section 184 loan program.<\/p>\n<p>Wilson is happy to clue her eligible clients in on the Section 184 initiative. One reason she likes it is because the mortgage insurance premium is lower than both conventional and FHA loans. \u201cAnd, of course, it\u2019s a much lower down payment,\u201d she adds. \u201cIt\u2019s 2.25% versus 3% for conventional or 3.5% for FHA.\u201d<\/p>\n<p>If you think you might be able to take advantage of one of these Native American down payment assistance programs, it is also helpful to know how to apply. Here\u2019s a guide to where to start looking and what you need to know.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.<\/p>\n","protected":false},"author":226,"featured_media":44819,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,629,637],"tags":[],"class_list":["post-29355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-home-financing","category-special-programs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Native American Down Payment Assistance Programs for Buyers<\/title>\n<meta name=\"description\" content=\"If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Discover the World of Homebuying Assistance for Native Americans\" \/>\n<meta property=\"og:description\" content=\"If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-21T14:00:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-06T04:18:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mark Henricks\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@markhenricks\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Henricks\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Native American Down Payment Assistance Programs for Buyers","description":"If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/","og_locale":"en_US","og_type":"article","og_title":"Discover the World of Homebuying Assistance for Native Americans","og_description":"If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.","og_url":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/","og_site_name":"HomeLight Blog","article_publisher":"https:\/\/www.facebook.com\/gohomelight\/","article_published_time":"2024-06-21T14:00:52+00:00","article_modified_time":"2026-04-06T04:18:56+00:00","og_image":[{"width":1000,"height":563,"url":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png","type":"image\/png"}],"author":"Mark Henricks","twitter_card":"summary_large_image","twitter_creator":"@markhenricks","twitter_site":"@gohomelight","twitter_misc":{"Written by":"Mark Henricks","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#article","isPartOf":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/"},"author":{"name":"Mark Henricks","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/a2f751bbacf0e6ecb0b9f68975d431d9"},"headline":"Discover the World of Homebuying Assistance for Native Americans","datePublished":"2024-06-21T14:00:52+00:00","dateModified":"2026-04-06T04:18:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/"},"wordCount":228,"publisher":{"@id":"https:\/\/www.homelight.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png","articleSection":["Buyers","Financing","Special Programs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/","url":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/","name":"Native American Down Payment Assistance Programs for Buyers","isPartOf":{"@id":"https:\/\/www.homelight.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#primaryimage"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png","datePublished":"2024-06-21T14:00:52+00:00","dateModified":"2026-04-06T04:18:56+00:00","description":"If you think you might be qualified for Native American down payment assistance, we\u2019ve got information that can help you access those resources.","breadcrumb":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#primaryimage","url":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png","contentUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/06\/native-american-down-payment-assistance.png","width":1000,"height":563,"caption":"Source: (chi m\/ Unsplash)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.homelight.com\/blog\/buyer-native-american-down-payment-assistance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.homelight.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Discover the World of Homebuying Assistance for Native Americans"}]},{"@type":"WebSite","@id":"https:\/\/www.homelight.com\/blog\/#website","url":"https:\/\/www.homelight.com\/blog\/","name":"HomeLight Blog","description":"Real Estate Advice from America&#039;s Top Agents","publisher":{"@id":"https:\/\/www.homelight.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.homelight.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.homelight.com\/blog\/#organization","name":"HomeLight","url":"https:\/\/www.homelight.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2017\/11\/logo-hr-color.png","contentUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2017\/11\/logo-hr-color.png","width":1348,"height":262,"caption":"HomeLight"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gohomelight\/","https:\/\/x.com\/gohomelight","https:\/\/www.linkedin.com\/company\/homelight\/","https:\/\/www.youtube.com\/channel\/UCimugR9XF17-OZ7B9fNnxWw","https:\/\/en.wikipedia.org\/wiki\/HomeLight"],"description":"Everything you need to know to sell your house faster and for more money. Articles, guides, and advice from top agents all over the U.S.","email":"support@homelight.com","telephone":"(888) 688-0350","legalName":"HomeLight","foundingDate":"2012-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"201","maxValue":"500"}},{"@type":"Person","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/a2f751bbacf0e6ecb0b9f68975d431d9","name":"Mark Henricks","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e4460ee23d3647df4d818f2c93b2f7c5dec961745b3c5b94e1f7591ecafd631e?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e4460ee23d3647df4d818f2c93b2f7c5dec961745b3c5b94e1f7591ecafd631e?s=96&d=blank&r=g","caption":"Mark Henricks"},"description":"Mark Henricks writes about real estate, homeownership and other topics from Austin, Texas. His byline has appeared in many leading publications. He has authored, co-authored or ghostwritten a dozen published non-fiction books. For relaxation he reads omnivorously, performs as a guitarist and singer, trains for sprint triathlons and disappears whenever possible on whitewater kayaking and wilderness backpacking expeditions.","sameAs":["https:\/\/www.linkedin.com\/in\/markhenricks\/","https:\/\/x.com\/markhenricks"],"url":"https:\/\/www.homelight.com\/blog\/author\/mark-henricks\/"}]}},"_links":{"self":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts\/29355","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/users\/226"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/comments?post=29355"}],"version-history":[{"count":0,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts\/29355\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/media\/44819"}],"wp:attachment":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/media?parent=29355"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/categories?post=29355"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/tags?post=29355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}