Native American Direct Loan (NADL)
The Native American Direct Loan (NADL) is part of the VA home-loan benefit. Here is the plain-English rundown for 2026.
How it works
The Native American Direct Loan (NADL) is a loan made directly by the VA to eligible Native American veterans buying, building, or improving a home on federal trust land — often with no down payment and no PMI.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the Native American Direct Loan (NADL)?
- The Native American Direct Loan (NADL) is a loan made directly by the VA to eligible Native American veterans buying, building, or improving a home on federal trust land — often with no down payment and no PMI.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.