Commerce Services

Mortgage Assistance Program

The Mortgage Assistance and Self-sufficiency programs allow Cherokee Nation citizens to build and repair their credit and reach personal financial goals. This program provides qualified Cherokee Nation citizens with down payment and closing cost assistance when obtaining a mortgage to purchase or construct a home.  Income guidelines are 80% of National Median Income (NMI) or below.

The mortgage assistance program (MAP) provides qualified Cherokee Nation citizens with down payment assistance up to $20,000. For more information, please contact the Housing Authority of the Cherokee Nation at 918-456-5482 or

The head of household or spouse must be a member of a federally recognized tribe. Preference is given to Cherokee Nation citizens.

Applicants must be first-time home buyers. Exceptions will be made for 1) individuals who have not have ownership interest in a home in the previous three years 2) individuals who lost their home due to documented domestic violence and received no monetary benefit and 3) individuals who have only owned a property that is uninhabitable or not in compliance with state, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.

Applicants must be willing to reside within the Cherokee Nation reservation and must obtain a loan through an approved lender, preferably a Section 184 or USDA loan. The loan must be approved by the Cherokee Nation. Program participants must own and reside in the home for a specified period of time or a prorated payback will apply. An onsite environmental review and inspection will be conducted and home buyer’s education classes are required. Purchase size must be a minimum 540 square feet in size, limited to five (5) acres and the purchase price shall not exceed the county’s Total Development Cost as established by HUD and the appraised value of the property.


  • iSave Program Application
    The iSave Program is designed to help working Native Americans save money to achieve their financial goals.
  • Mortgage Assistance Program (MAP) Application
    The Mortgage Assistance Program provides qualified Native Americans with down payment and closing cost assistance to purchase or construct a home.