Title VI Federal Guarantees for Financing Tribal Housing Activities


To provide access to sources of private financing to Indian Housing Block Grant recipients that want to finance additional grant-eligible affordable housing and related community development projects.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
Office of Public and Indian Housing, Department of Housing and Urban Development
Type(s) of Assistance Offered
F - Guaranteed/Insured Loans
Program Accomplishments
Fiscal Year 2016 The Department anticipates to guarantee 5 loans. The Department guaranteed 5 loans
Fiscal Year 2017 The Department anticipates to guarantee 5 loans.
Fiscal Year 2018 The Department anticipates to guarantee 5 loans
Fiscal Year 2019 One IHBG recipient used a Title VI loan guarantee to build 50 rental units, of which 19 were dedicated to housing Native American Veterans.
Fiscal Year 2020 During FY 2020, the Department of Housing and Urban Development guaranteed four loans worth $12 million.
Fiscal Year 2021 Three loans were guaranteed for $13,500,000
Fiscal Year 2023 To guarantee one loan worth $5 million.
Native American Housing Assistance and Self-Determination Reauthorization Act (NAHASDA) of 1996 (25 U.S.C. 4101 et seq.)
Further Consolidated Appropriations Act, 2023, Public Law 117-328
Consolidated Appropriations Act, 2022, Public Law 117-103
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
The applicant must be a federally recognized Indian tribe or Tribally Designated Housing Entity (TDHE) that is either a beneficiary or recipient of IHBG funds.
Beneficiary Eligibility
Indian tribes and their members are the beneficiaries. A TDHE acts on behalf of an Indian tribe, as authorized by Tribal and TDHE resolutions.
The applicant must provide the lender the documentation detailed in the "Title VI Application Process," including the certifications required under 24 CFR Section 1000.424(d) that the applicant possesses the legal authority to pledge, and if approved, the applicant will make the pledge of IHBG funds required by section 602(a)(2) of NAHASDA. 2 CFR 200, Subpart E - Cost Principles applies to this program.
What is the process for applying and being award this assistance?
Pre-Application Procedure
Preapplication coordination is not applicable.
Application Procedure
2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program. Eligible lenders are detailed in the statute. The lender assembles the Title VI application package and submits it to HUD. HUD, then, reviews the application for compliance with Title VI of NAHASDA and the implementing regulations.
Award Procedure
HUD issues a Letter of Firm Commitment to the lender when HUD approves the Title VI application, and the mortgage meets the Title VI Program underwriting criteria. The lender then closes the loan and submits the closing package to HUD for review. Following a successful review, HUD issues a Certificate of Loan Guarantee to the lender.
Not applicable.
Approval/Disapproval Decision Time
From 15 to 30 days. The Title VI regulation at 24 CFR 1000.430(a) states that HUD will make every effort to approve an application within 30 days of the receipt of a completed application, and if HUD is unable to do so, will notify the lender (the applicant via the lender) within the 30-day time frame of the need for additional time to process the application and/or if additional information is required.
From 15 to 30 days. HUD will notify the lender in writing that the application has been reduced or disapproved and the specific reasons for the reduction or the disapproval. The lender may submit additional documentation to reverse the HUD decision.
Not applicable.
How are proposals selected?
Title VI and Section 202 of NAHASDA; criteria is detailed in the "The Title VI Application Process" available from HUD's National Program Office, Office of Loan Guarantee, and on the Title VI web site (http://www.hud.gov/offices/pih/ih/homeownership/titlevi/).
How may assistance be used?
Limited to the eligible affordable housing activities listed in Section 202 of NAHASDA to include Indian Housing Assistance, Development, Housing Services, Housing Management Services, Crime Prevention and Safety Activities, and Model Activities approved by the Secretary.
What are the requirements after being awarded this opportunity?
Not applicable.
In accordance with the provisions of 2 CFR 200, Subpart F - Audit Requirements, nonfederal entities that expend financial assistance of $750,000 or more in Federal awards will have a single or a program-specific audit conducted for that year. Non-Federal entities that expend less than $750,000 a year in Federal awards are exempt from Federal audit requirements for that year, except as noted in 2 CFR 200.503 Participating lenders and closed loan files are reviewed to assure compliance with the program's requirements.
Copies of loan files are maintained by HUD. The originating lender must maintain a copy of the loan file for 2 years after loan is guaranteed. The servicing lender must maintain a loan file for the line of the loan plus 3 years.
Other Assistance Considerations
Formula and Matching Requirements
Statutory formula is not applicable to this assistance listing.

Matching is voluntary. 5%. Borrowers may be required to pledge security in addition to IHBG funds to secure the remaining five percent of the loan balance that is not secured by the 95 percent Federal loan guarantee.

MOE requirements are not applicable to this assistance listing.
Length and Time Phasing of Assistance
The term of the loan may exceed 20 years, as approved by HUD. The lender and applicant shall determine the terms of the repayment for each project, subject to HUD's approval. This is a loan guarantee program. Therefore, assistance is given in the form of a guarantee. No funds are awarded or released unless there is a default on a guaranteed loan.
Who do I contact about this opportunity?
Regional or Local Office
(see Headquarters Office below)
Headquarters Office
Krisa Johnson
451 7th Street, S.W., Room 4108
Washington, DC 20410 US
Phone: (202) 402-4978
Website Address
Financial Information
Account Identification
(Guaranteed/Insured Loans) FY 22$304,901.00; FY 23 est $1,000,000.00; FY 24 est $1,000,000.00; FY 21$1,207,710.00; FY 20$461,000.00; FY 19$1,442,000.00; -
Range and Average of Financial Assistance
Loan sizes range from $196,623 to $11.3 million, averaging around $2.3 million. The maximum amount of the loan cannot exceed five times the amount of the annual Indian Housing Block Grant.
Regulations, Guidelines and Literature
24 CFR Part 1000, subpart E; "The Title VI Application Process" and promotional literature are available from HUD's National Program Office of Native American Programs, Office of Loan Guarantee; and the Title VI web page (see the address below).


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