Native American Housing Assistance and Self-Determination Modernization Act of 2026
Sponsored By: Senator Murkowski, Lisa [R-AK]
Introduced
Summary
Strengthens tribal control over housing and expands tribal and Native Hawaiian homelessness and loan programs. The bill reauthorizes and modernizes the Native American Housing Assistance and Self-Determination Act through FY2026–FY2033 and streamlines environmental reviews while adding new rental assistance and homeless programs.
Show full summary
- Families and Native Hawaiians: expands eligibility and income targeting up to 120% of area median income for certain Native Hawaiian activities, adds college housing, and allows recipients to set rent rules including exceptions above 30% of monthly adjusted income.
- Tribes and tribal housing entities: lets tribes assume consolidated environmental review so other federal agencies need not duplicate NEPA when other federal funds are under 49% of project cost and creates a $250,000 total development cost exemption.
- Indian veterans and people experiencing homelessness: creates a Tribal HUD-VASH rental assistance program with at least 5% of rental assistance funds for eligible Indian veterans and funds new Tribal Homeless Housing Assistance and Native Hawaiian homeless programs with a $25 million annual Tribal Continuum set-aside when HUD grants exceed FY2026 levels.
- Homebuyers and lenders: expands Section 184 loan guarantees to allow up to a 100% guarantee on eligible loans for homes on Indian lands, adds Community Development Financial Institutions as eligible lenders, and sets a general loan term cap of 40 years.
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
6 provisions identified: 4 benefits, 0 costs, 2 mixed.
Easier mortgage guarantees for tribes
If enacted, the bill would expand Section 184A mortgage guarantees for eligible Indian and Native Hawaiian families. HUD could guarantee up to 100% of unpaid principal and interest on eligible loans for 1- to 4-family homes. More types of federally supervised lenders, including certified community development financial institutions, could participate and HUD could let lenders directly endorse guarantees subject to oversight and indemnification rules. Modified loans could be limited to terms not exceeding 40 years and Congress could fund program costs for FY2027–FY2033.
More flexibility for tribal housing costs
If enacted, the bill would let NAHASDA-funded projects go up to 20% over the usual total development cost limit without prior HUD approval. For privately owned homes, binding remaining-useful-life commitments would not apply to improvements costing 10% or less of the home's maximum total development cost. Tribes could adopt their own written procurement rules or, if they do not, follow federal procurement standards. The bill would add college housing assistance as an eligible NAHASDA activity and let certain tribal entities provide housing counseling without HUD certification for the specified counseling activities.
More tribal and Hawaiian homeless aid
If enacted, the bill would create several targeted homelessness and rental programs for tribal and Native Hawaiian communities. HUD could set aside up to 5% of Title IV funds each year for a Tribal Homeless Housing Assistance grant program that requires two years of case management. The bill would require at least 5% of certain rental assistance to go to a Tribal HUD-VASH program for eligible Indian veterans. HUD could also make up to 0.2% of Title IV funds available annually for a Native Hawaiian Homeless Housing Assistance program and create a $25 million annual set-aside for tribal Continuum of Care participation when competitive CoC funding exceeds the FY2026 level.
New rent and homebuying rules
If enacted, the bill would let NAHASDA recipients set written, public rules for maximum and minimum rents and homebuyer payments, and those rules could allow charges above 30% of monthly adjusted income. It would require that when NAHASDA rental housing is converted to owner-occupied or lease-purchase units, the current low-income rental family has the exclusive right to buy if they were low-income at initial occupancy. The bill would also extend an existing lease termination notice period to any project that gets money under this Act.
New emergency funding suspension rules
If enacted, the bill would let the Secretary immediately limit availability of NAHASDA payments in an emergency but must give notice at the time of action and allow the recipient to request a hearing within 30 days. Hearings must be expedited, and if a requested hearing is not completed within 180 days, the Secretary's suspension would no longer be effective. The changes increase enforcement tools but add time limits and procedural protections for recipients.
Faster, consolidated tribal environmental reviews
If enacted, the bill would let a tribe, recipient, or the Hawaiian Homes director do one consolidated environmental review for a project when other federal funding is 49% or less of the federal share. After that review, other agencies generally would not need to do separate reviews unless the project is materially changed. The bill would exempt small affordable projects (TDC ≤ $250,000) and some rehabs, exclude covered projects from the Federal Flood Risk Management Standards, and require the Secretary to act on certain waiver requests within 60 days.
Sponsors & CoSponsors
Sponsor
Murkowski, Lisa [R-AK]
AK • R
Cosponsors
Sen. Schatz, Brian [D-HI]
HI • D
Sponsored 8/6/2026
Sen. Daines, Steve [R-MT]
MT • R
Sponsored 8/6/2026
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 8/6/2026
Sen. Sullivan, Dan [R-AK]
AK • R
Sponsored 8/6/2026
Sen. Hirono, Mazie K. [D-HI]
HI • D
Sponsored 8/6/2026
Sen. Crapo, Mike [R-ID]
ID • R
Sponsored 8/6/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov