Native American Housing Opportunities (NAHO) Fund

Benefits for Your Financial Institution

Differentiate your institution by providing access to grant funding that supports the housing needs of tribal communities. 

Increase your support of housing in traditionally underserved areas. 

Grow your customer relationships with federal recognized tribes and TDHEs. 

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Using the NAHO Fund, eligible FHLB Dallas members can access grants to help meet the housing needs of federally recognized tribes or Tribally Designated Housing Entities (TDHEs) within the FHLB Dallas District.
 

How It Works

FHLB Dallas members partner with a tribal entity to apply for funds. The tribe or TDHE completes the application and supporting documentation, and the member submits the application on their behalf. Our team is committed to ensuring that the process is as easy and streamlined as possible for our members and the tribal entity.

1. Customer Engagement: Promote the NAHO Fund to eligible tribes and TDHEs in the areas you serve. 
2. Application for Funding: Work with your tribal partners to prepare and submit their applications for funding. Applications are reviewed in the order received, and 2025 awards are expected to be announced in August.
3. Funds Disbursement: Grants are disbursed to the sponsoring FHLB Dallas members for distribution to awarded tribal partners.
4. Ongoing Support: Contact us at any time to access support and resources to help your organization maximize the program’s reach and impact. Our team is always ready and willing to respond to your questions.

Applying for a NAHO Grant

Submit the completed application with supporting information to the FHLB Dallas Community Investment Department via email to NAHO@fhlb.com beginning June 2, 2025 until funds are exhausted or July 10, 2025 – whichever occurs first.. Applications received after that date will not be considered for funding.
 
FHLB Dallas NAHO Application
 

NAHO grants are available to federally recognized tribes or Tribally Designated Housing Entities (TDHEs) located within the FHLB Dallas five-state District of Arkansas, Louisiana, Mississippi, New Mexico and Texas. To apply for funding, applicants must partner with FHLB Dallas member institution. If your organization is interested in applying, contact an FHLB Dallas member institution for more information about your organization’s eligibility and the application process.

Applications for NAHO funding must be submitted by an eligible FHLB Dallas member financial institution. FHLB Dallas does not accept applications directly from tribal entities.

Eligible Uses of Funds

NAHO funds must be used support housing-related activities for tribal members residing in the Bank’s District. Eligible uses include:

• Down payment/closing cost assistance for home purchases
• Repairs to owner-occupied homes
• Rental assistance for tribal members
• New construction or rehabilitation of existing housing
• New program or product development
• Enhancements to information technology and systems used for housing programs
• Consultant fees (nonemployees, separately invoiced)
• Predevelopment /consulting costs 

Reporting Requirements

NAHO grant recipients must certify that the funds were used as specified in the application and must submit an impact report regarding the effectiveness of the grant in achieving the desired outcomes. The impact report is required by September 1, 2025.
 
Eligibility for awards in future years will depend on past performance. If applying for future funds prior to the report date, the organization must complete the report and submit it along with their application.

The materials below provide more detailed information regarding the NAHO Fund to help you apply.