Get Up To $10,000 To Get Into Your Dream Home

Through the Native American Home-ownership Initiative.

NAHI Helps Those With Native American Heritage Get Into Their First Home

The Native American Home-ownership Initiative (NAHI) is a down payment and closing cost assistance program offered through Liberty Bank to qualifying Native American, Native Alaskan, and Native Hawaiian home buyers. 

Qualifying participants can receive up to $10,000 in grant funding.


The NAHI program is currently available in thirteen states and three American territories:

  • Alaska

  • American Samoa

  • Guam

  • Idaho 

  • Montana

  • Minnesota

  • Mariana Islands 

  • North Dakota

  • Oregon

  • Hawaii

  • South Dakota

  • Missouri

  • Iowa

  • Utah 

  • Wyoming

  • Washington

Frequently Asked Questions

Who can qualify for a NAHI grant? 

The NAHI program is available to qualifying Native American, Native Alaskan, or Native Hawaiian home buyers earning up to 80 percent of area median income for the location of residence. You can find median income information for your area on the Department of Housing and Urban Development (HUD) website at Income limits are adjusted based on household size. NAHI recipients must also:

  • complete a home buyer education course if first-time home buyer
  • qualify for mortgage financing through Liberty Bank

How much money can I receive through NAHI? 

Qualifying NAHI participants may receive up to $10,000 in grant funds.

You must have a signed Purchase and Sale Agreement to enroll.

Frequently Asked Questions

Are there any restrictions to the type of home I can purchase? 

NAHI grants may be used to purchase single family homes, manufactured homes, condominiums, and other types of residences. The home you purchase must the used for your primary residence. There are no neighborhood restrictions (i.e. type or location), however, the home purchased must be located within the specified 13-state district. If you qualify for mortgage financing, and are income eligible, you will likely be able to receive a NAHI grant.

How do I enroll in NAHI? 

You can enroll by contacting a Loan Officer at Liberty Bank. Give us a call at 801-363-5363 (LEND). We can help you sign up for the program and explain the benefits in greater detail.

Frequently Asked Questions

Are there any restrictions on how the grant funds can be used?

Yes, NAHI grants are designed to be used for down payment and closing costs or to rehabilitate a new residence. Please call us at  801-363-5363 (LEND) if you plan to use the NAHI funds for rehabilitation. The grant may not be used for moving costs or to pay bills.

What happens if I sell my home?  

If your home is purchased with NAHI assistance, it is subject to a five-year deed restriction requiring you to return a portion of the funds if you sell your home within five years. This amount will be prorated based on the length of time you own the home and the funds will be taken out of your proceeds. If you sell your home at a net loss or to another low-to-moderate-income home buyer, or if you loose your home to foreclosure, the prorated amount owed on your grant will be forgiven. In these cases, your title company should contact Liberty Bank to request a forgiveness review. However, if you live in the home for at least five years, you never have to repay the grant – the funds are all yours!