Native American Veteran Direct Loan Program
Department Of Veterans Affairs, Veterans Benefits Administration
To provide direct loans to certain veterans who are, or whose spouses are, Native Americans for the purchase or construction of homes on trust lands.
Jargon-free version
Helps Native American Veterans and their spouses get loans to buy, build, or improve homes on trust land. No down payment is usually required.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Request a VA home loan Certificate of Eligibility (COE)
- Contact an NADL coordinator to start the NADL process
- 🌐Application Portal
- https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄What Documents Are Required?
- ✅Required Documents
- Certificate of Eligibility (COE)
- Proof of income
- MOU with tribal government
- 📐Format Requirements
- PDF only, max 10MB
- ✉️Supporting Letters
- Letters of support from tribal government may be required.
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- buy a home
- build a home
- improve a home
- refinance an existing NADL
- 💳Payment Model
- mixed
🤝Is Matching Funding Required?
- 🔀Matching Required
- No
- 📚Stacking Rules
- You can combine with other government funding.
📊What Are the Reporting Requirements?
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards in a fiscal year
- 🗄️Record Retention Period
- 3 years post-final-report
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FAQFrequently Asked Questions
Visit the program page for detailed eligibility requirements.
This program offers funding up to $9,108,140 (minimum $9,108,140).
This program accepts applications on a rolling basis.
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