2024 Native American Homeownership Initiative

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

Learn More

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 $25,000 for down payment and closing cost assistance.

Additional NAHI funds available!

On April 18, 2024, FHLB Des Moines added an additional $200,000 in NAHI funds. This funding is available on a first-come, first-serve basis, subject to availability. This funding is available on a first-come, first-serve basis, subject to availability. View key 2024 program details.

As a reminder, please remember to monitor your pipeline for expiring reservations.

Processing Times for Reservations


2024 NAHI Funding Schedule

Date of Funds NAHI Amount
Tuesday, January 2, 2024 $150,000
Monday, April 1, 2024 $150,000
Thursday, April 18, 2024 * $200,000
Monday, July 1, 2024 * $350,000
Tuesday, October 1, 2024 * $150,000

* Funds available no sooner than 12:00 PM CDT

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