The Mortgage Assistance Program is a down payment assistance program created to help low to moderate income Cherokee families become homeowners.

The Mortgage Assistance Program (MAP) helps eligible Cherokee Nation citizens become homeowners by providing up to $20,000 in down payment assistance and individualized credit coaching to assist families with building or repairing credit and reaching personal financial goals. Down payment assistance may be used to purchase an existing home or construct a new one. If a mortgage loan is required to purchase a home, the mortgage loan rates, terms and lender must be approved by the Housing Authority of the Cherokee Nation. MAP recipients must participate in a Homebuyers Education class and Self Sufficiency Counseling conducted by the Housing Authority of the Cherokee Nation. The purchased home must be at least 540 square feet and situated on less than 5 acres.

Eligibility

Applicant must be a member of a federally recognized tribe; preference given to Cherokee Nation citizens

Applicant and spouse or cohabitating partner must have not owned a home in the previous 3 years; exceptions may be made for victims of documented domestic violence or for individuals who have only owned a home that is uninhabitable

Applicant and spouse or cohabitating partner cannot have previously received homeownership assistance through any Housing Authority of the Cherokee Nation or Cherokee Nation program; exceptions may be made for victims of documented domestic violence

The home purchased or constructed must be located within the Cherokee Nation reservation

Household income may not exceed 80% of the National Median Income

Family
Size
1 2 3 4 5 6 7 8
Annual
Income 80%
$50,400 $57,600 $64,800 $72,000 $77,760 $83,520 $89,280 $95,040


Mortgage Assistance Application

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