Native Community Capital (NCC) will begin accepting applications for the Mortgage Principal Reduction Assistance Program through the Navajo Homeowner Assistance Fund (NHAF) Program beginning April 1, 2026, at 10 a.m., MST.
Up to 100 applications will be accepted on a first-come, first-served basis. Homeowners must meet all eligibility criteria, including:
- Enrolled member of the Navajo Nation with ownership interest in property.
- Must be applicant’s primary residence.
- Evidence of homeownership on tribal or individually held trust land.
- Household income must be less than 150% of HAF program limits.
- Experienced COVID-19 hardship after January 21, 2020, resulting in a reduction in total gross household income during the NHAF Program period.
The Mortgage Principal Reduction Assistance Applicants under 55 years old may be eligible for up to $100,000. Applicants 55 years of age and older may be eligible for up to $150,000.
The funds will be paid directly to the lender. Eligible properties may be single family homes and mobile homes.
For this round, primary residence of the applicants must be on the Navajo Nation. Applicants need homesite lease and a hardship statement detailing month and year they were impacted. Primary residence needs utilities connected to home. Pictures of documents may be accepted but must be complete and legible.
The NHAF Program ends September 30, 2026, and the NCC is working to accept as many applications as possible.
By the end of 2025, NCC assisted eligible homeowners with $11.7 million in grants. Most of the funds went to Navajo people living off the reservation. NCC said it is now focusing on helping Navajos living within the boundaries of the Navajo Nation.
Navajo Division for Children and Family Services subcontracted NCC to administer the NHAF Program. The NHAF Program is a federally funded program designed to assist Navajo homeowners who have fallen behind on mortgage payments and other housing-related expenses due to the impacts of the COVID-19 pandemic. The program is overseen by the U.S. Treasury Department.
More information can be accessed at www.nativecap.org. You may also contact Melinda Williams, NHAF Director, Native Community Capital, at (505) 420-6562 or melinda@nativecap.org.
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