Housing (Homeownership · Tribal Nations)

The Native American Housing Assistance and Self-Determination Modernization Act of 2026 aims to update and improve federal housing programs for Indian tribes, tribally designated housing entities, and Native Hawaiian communities. The bill streamlines environmental reviews, increases flexibility for these entities in managing housing funds, and raises income limits for certain homeownership assistance. It also establishes new pilot programs to address homelessness among Native Americans

This bill modernizes housing assistance programs for Native American tribes and Native Hawaiians by streamlining environmental reviews, extending funding authorization through 2032, and expanding loan guarantee options. Key provisions include consolidating environmental review requirements to reduce paperwork for tribes, allowing 99-year leasehold interests on trust lands for housing, and creating new rental assistance specifically for homeless or at-risk Native American veterans. The legislation also clarifies rent rules, waives certain housing counseling certifications for tribal entities, exempts tribal housing projects from some federal civil rights and Buy America requirements, and establishes a direct loan guarantee process for tribal housing projects.

Tribal Trust Land Homeownership Act of 2025 This act sets forth requirements for the processing of a proposed residential leasehold mortgage, business leasehold mortgage, land mortgage, or right-of-way document by the Bureau of Indian Affairs (BIA). The BIA must notify lenders upon receipt of such documentation, perform a preliminary review of such documents not later than 10 days after receipt, and approve or disapprove of such documents within 20 or 30 days, depending on the type of application. Additionally, the act sets forth requirements for the BIA regarding (1) response times for the completion of certified title status reports, (2) notification of delays in processing, and (3) the form of notices and delivery of certain reports. The act also provides relevant federal agencies and Indian tribes with read-only access to the Trust Asset and Accounting Management System maintained by the BIA. The Government Accountability Office must report on digitizing documents for the purpose of streamlining and expediting the completion of mortgage packages for residential mortgages on Indian land. Finally, the act establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.

The Rural Housing Service Reform Act of 2025 establishes a permanent housing preservation and revitalization program to maintain affordable multifamily housing projects financed under sections 514, 515, and 516 of the Housing Act of 1949, authorizing $200 million annually for fiscal years 2026-2030 to support loan restructuring, rental assistance renewal, and technical assistance for owners. The bill creates a $50 million annual set-aside for Native community development financial institutions to increase homeownership opportunities for Indian Tribes, Alaska Native communities, and Native Hawaiian communities. Additionally, it modifies Section 504 loans to reserve 60% for very low-income applicants and increases the loan cap from $7,500 to $15,000, while adjusting rural housing voucher processes to allow more frequent recalculation based on changing household circumstances.

The Tribal Housing Innovation Act (HR 5825) creates a competitive grant program through the Department of Housing and Urban Development (HUD) to fund sustainable housing on tribal lands. It provides up to $150 million annually for Indian Tribes or tribal housing groups to build new residential units with sustainable features (like solar panels, energy-efficient appliances, or insulation) or add such features to existing units. Grants require that units be rented only to tribal members, and recipients must report on the number of units built/modified, features added, and tenant demographics. The program mandates annual reporting to Congress on national impacts, aiming to improve housing sustainability while prioritizing tribal communities.

HR 5824, the Tribal Affordable Housing Act, creates a new HUD grant program to help Native American tribes build or improve housing on tribal lands. It allocates $150 million annually starting in 2026 for competitive grants to tribes or tribal housing entities that historically received under $500,000 in HUD funding. Grants fund either new residential units or necessary improvements (like repairs or additions) to existing units. The program operates under existing rules from the 1996 Native American Housing Act.