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Housing Programs

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All applicants must meet the requirements set by HUD and North Fork Rancheria Indian Housing Authority.

  • Applicants must be a tribal citizen of the North Fork Rancheria of Mono Indians and head of household or spouse.
  • Applicants must be at least 18 years of age.
  • For full levels of funding assistance, the total household income may not exceed 80% of the median as defined by HUD.
  • Applications must be completed along with proof of income and copies of social security cards for all persons in the household.


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  • NFRIHA may provide a limited amount of assistance to non-low-income families whose income falls within 80 to 100 % of the median for the following programs: Down Payment Assistance, Emergency Rental Assistance, Foreclosure & Debt Relief, Housing Rehabilitation, and Housing Services.
  • A non-low-income applicant must demonstrate there is a need for housing that cannot reasonably be met without such assistance.
  • Non-low-income families cannot receive the same benefits provided to low-income families, assistance to non-low-income families cannot exceed: (Income of family at 80% of median income/Income of non-low-income family) × (Present value of the assistance provided to family at 80% of median income).


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The Service Area for the following programs has been expanded to the State of California to greater meet the housing needs of tribal citizens.

Down Payment Assistance Program:

  • NFRIHA will provide one-time down payment assistance toward the purchase of a home.
  • The maximum amount of assistance available is 20% of the purchase price, not to exceed $40,000.
  • Properties must meet HUD/FHA Minimum Property Standards, and generally must be free of defective conditions.
  • The applicant must be able to obtain a mortgage loan with an eligible lender.
  • Assistance will be secured by a second deed of trust, amortized after 10 years of ownership, and forgiven after 20 years of ownership.
  • All applicants must first apply with NFRIHA to determine eligibility, and are to contact NFRIHA prior to submitting a purchase agreement and entering escrow to confirm the availability of funds. Funding is awarded on a first come first serve basis.

Emergency Rental Assistance Program:

  • NFRIHA will provide one-time assistance, allowable once within a 24 month period, for tribal citizens who are displaced or served with an eviction notice for their current or most recent residence, live in unsafe or substandard living conditions, or live in overcrowded conditions.
  • NFRIHA may approve such assistance under other conditions such as: loss of income, medical expenses, natural or manmade disasters that are determined to be an imminent threat to the health or safety of household occupant’s and require relocation.
  • If eligible, assistance will be provided in the amount of the first month’s rent, and deposit if required by a new lease agreement. For tenants seeking to remain in an existing rental unit, assistance will be provided in the amount of one month’s rent.
  • Guidelines:
    • Monthly rental payments cannot exceed 30% of the household’s gross monthly income.
    • Lease agreements must be provided stating the monthly rent and deposit.
    • All checks will be submitted directly to the landlord.
    • Reimbursement for eligible moving expenses will be allowed up to $300.

 Foreclosure & Debt Relief Program:

  • NFRIHA has established a Foreclosure & Debt Relief Program to provide assistance for homeowners to remain in their homes when foreclosure actions are imminent, whether instituted by a lender for default on payments or by the county for delinquent property taxes.
  • One-time assistance, not to exceed $5,000.
  • Applicants must have the ability to maintain monthly mortgage payments following NFRIHA assistance. Monthly mortgage payments must be within 30% of the household’s gross monthly income.
  • Applicants must attempt a resolution with the mortgage holder including the utilization of mortgage relief options, when available.


The Service Area of the follow programs continues to be Fresno, Madera, and Mariposa counties.

Low-Income Rental Units

(Housing Application is available on the Citizen Portal of this website, you must be a NFR Tribal Citizen to register for access)

NFRIHA currently has 32 low-income rentals units. Tribal Citizens must apply to be placed on the waiting list for North Fork, Fresno/Clovis, or Madera.

  • Applicants must be low-income to be placed on the waiting list, and must be low-income at initial occupancy.
  • Pre-determine rents have been established for each unit based on the number of bedrooms.
  • Per HUD regulations, rent may not exceed 30% of the household’s adjusted gross income.
  • Eligibility is based on waiting list position, and the pre-determined rent must be within 30% of the household’s adjusted gross income to qualify.
  • Applicants must also meet the eligibility conditions stated in the Admissions and Occupancy Policy; factors negatively impacting eligibility include prior criminal record for any household members.
  • Applications must be updated on an annual basis, or anytime there is a change in income, household composition, or contact information.

Housing Rehabilitation Program:

  • The primary purpose of this program is to assist homeowners with repairs for conditions that pose an imminent threat to the health and safety of the occupants, and to bring their property up to minimum housing standards.
  • Applicants must have a fee or leasehold interest in the property to be improved.
  • Applicants must have been a resident at the home for the past 12 months.
  • Basic maintenance services will not be undertaken by the NFRIHA.
  • The level of assistance is also contingent on the NFRIHA’s ability to record a Useful Life/Use Restriction on the property.

Housing Services Program: 

  • The Housing Services Program has been established to assist tribal citizens with obtaining a residential lease on allotment land. Residential leases are recorded with the Bureau of Indian Affairs, and are necessary for individuals residing on allotment land to provide proof of a leasehold interest in the property to become eligible for housing rehabilitation and the homeownership assistance program.
  • This program will assist tribal citizens in requesting a residential lease and public version Title Status Report (TSR), obtaining consent requirements for leases, obtaining a land survey from a Certified Federal Surveyor (CFEDS), providing proof of ingress/egress access, and with National Environmental Policy Act (NEPA) requirements.
  • This program may also be used to assist eligible property owners in researching land titles on fee lands in order to qualify for affordable housing assistance. The Housing Services program will not assist in clearing liens or claims, but will provide technical assistance and assist with other costs necessary to allow for landowners with fractionalized interests in becoming eligible for housing assistance and allow for a Useful Life/Use Restriction to be recorded.

  Home-ownership Assistance Program: 

  • Funding for this program is currently limited to placement of available mobile homes. All applicants will be placed on a waiting list and served on a first come first serve basis.

  • The Homeownership Assistance Program has been designed to assist individuals or families who are truly committed to owning a home and meeting homeownership responsibilities. This program may be used for the construction of a new home or toward the purchase and placement of a manufactured home.

  • The Homeownership Assistance Program may be utilized on Trust, Individually Allotted, or Fee Simple Lands located within Fresno, Madera, or Mariposa County.

  • Applicants must have ownership of the land where the home will be placed in order to be eligible for this program. The applicant must be listed on Title Status Report provided by the Bureau of Indian Affairs for trust or allotment lands, or must be on the deed for fee lands. If the applicant owns a divided interest in a proposed home site, they must have a long-term residential lease in place, or obtain the necessary consent from all other interests to become eligible.

  • Proposed home sites are encouraged to have access to infrastructure/utilities (access, water, power, and sewer). If services are being provided by another homeowner on the property, consent must be provided. All service connections must be feasible within the total cost of development allowable.

  • The total cost of development or the purchase price will be contingent on the NFRIHA’s ability to record a Useful Life/Use Restriction on the property, and on the availability of funds.

Temporary/Emergency Potable Water Program:

  • The Temporary/Emergency Potable Water Supply Program has been established to provide eligible homeowners with potable water due to drought conditions.
  • Tribal citizens in need will also be referred to Indian Health Service (IHS) Division of Sanitation Facilities, which provides Indian homes and communities with essential water supply and sewage disposal under Public Law 86-121
  • The Temporary/Emergency Potable Water Program has been established to meet the emergency need for human consumption, in order to protect the health, safety, and welfare of families until a permanent solution can be made.
  • The program will cover costs to have a licensed potable water hauler fill storage tanks on a temporary basis.

The NFRIHA offers a wide variety of housing programs.  Please contact us at (559) 877-7360 to discuss your housing needs and to determine if you are eligible for our programs.