Tribal Housing Activities Loan Guarantee Program (Title VI)
Applications accepted on an ongoing basis
Office of Public and Indian Housing (PIH)
Provides loan guarantees to enable Indian tribes and tribally designated housing entities (TDHE) participating in the Indian Housing Block Grant (IHBG) program to obtain additional financing from private lenders for affordable housing activities for tribal residents. Offers flexibility to combine Title VI financing with a variety of other funding sources, allowing tribes to undertake larger housing projects, build at current costs, and complete projects sooner. Supports the goal of increasing the number of safe, affordable housing units in American Indian and Alaska Native communities that are available to individuals and families with low income.
Eligible housing activities include:
- New housing construction
- Housing rehabilitation
- Infrastructure projects related to housing
- Community facilities construction
- Land acquisition for housing
- Architectural and engineering planning
- Funding for financing costs
Amount of Funding
Tribes must pledge the need portion of their annual Indian Housing Block Grant funding as security in order to receive a Title VI loan guarantee. The maximum guarantee amount a tribe or TDHE can borrow is approximately 5 times the need portion of their IHBG grant.
Loans are guaranteed at 95% of the outstanding principal, accrued and unpaid interest. Tribes may negotiate repayment terms with the lender to meet their project needs, with a maximum loan term of 20 years. Interest rates are index-based and can be set as a fixed, adjustable, or floating rate.
Who Can Apply
Federally recognized Indian tribes and tribally designated housing entities that receive and administer Indian Housing Block Grant funds are eligible borrowers for a Title VI loan.
Eligible projects must be included in a tribe's Indian Housing Plan and must be located in the area currently served by the tribe or TDHE through its Native American Housing Assistance and Self Determination Act (NAHASDA) funding.
What This Program Funds
Buildings and Facilities • Capacity Building • Equipment • New Program • Operating Costs and Staffing
Application instructions, requirements, and other information can be found on the program website.
For program questions:
Contact your respective ONAP Area Office
Examples of communities that have received past Title VI loans are described on the program website.
Rural communities who have received funding include:
- Stebbins Community Association in Alaska
- Pleasant Point Passamaquoddy in Maine
- Oglala Sioux in South Dakota
- Squaxin Island Tribe in Washington
Topics This Program Addresses
American Indians, Alaska Natives, and Native Hawaiians • Housing and Homelessness • Infrastructure