Native American Direct Loan (NADL)
U.S. Department of Veterans Affairs
Direct VA loan with no down payment for eligible Native American veterans
Overview
Direct VA home loan with 0% down for Native American veterans buying on Federal Trust Land.
Detailed requirements
Veteran must be Native American, or married to a Native American, and the tribe must have a Memorandum of Understanding with the VA. Property must be on Federal Trust Land. No down payment, no PMI.
Eligibility at a glance
- Veterans/military only
- Yes
- Owner-occupied required
- Yes
Note: For Native American veterans (or veterans married to Native Americans) buying on Federal Trust Land.
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.