2023 Native American Homeownership Initiative

Down payment and closing cost assistance for qualifying first time homebuyers.

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NAHI Application

Speed Up Your Reservation Process for NAHI Funds


Since 1995, FHLB Des Moines has awarded $155.7 million in down payment and closing cost assistance to help more than 32,700 families with the purchase of a home.

Through our Native American Homeownership Initiative (NAHI), eligible households may receive up to $15,000 for down payment and closing cost assistance.

As of March 6, 2023, NAHI funds have been depleted.

Check back frequently as funds may become available as reservations are withdrawn. Additional funds will be added throughout the year based on the schedule below. The next funding date is on April 3, 2023.

As a reminder, please remember to monitor your pipeline for expiring reservations. View key 2023 program details.

Processing Times for Reservations


2023 NAHI Funding Schedule

Date of Funds NAHI Amount
Tuesday, January 3, 2023 $100,000
Monday, April 3, 2023 $100,000
Monday, July 3, 2023 $100,000
Monday, October 2, 2023 $100,000

Native American Homeownership Initiative Process

Click on one of the steps below to guide you through the Native American Homeownership Initiative process.

  1. Get Started
  2. Reservation of Funds
  3. Disbursement/Reimbursement of Funds

Already know the process? Find the forms and resources you need here.

Questions? Contact our Community Investment Department at communityinvestment@fhlbdm.com.

Why participate in the Native American Homeownership Initiative?

  • Meet Community Reinvestment Act objectives to serve low- to moderate-income households
  • Provide grants to expand market share or increase penetration in existing markets
  • Improve loan-to-value ratios on mortgage loans
  • Build community goodwill
  • Promote your corporate brand
  • Help families in your community realize their homeownership dreams by providing down payment and closing cost assistance