Housing Management
The Housing Management Department helps individuals and families access safe, affordable housing through ZHA’s rental and homeownership programs. We manage the full process—from determining who qualifies for our programs to helping current residents stay in good standing.
Our team handles eligibility reviews, annual and interim recertifications, and keeps track of housing accounts. We also maintain waiting lists for applicants and make sure residents follow their lease agreements and program rules.
Overall, we’re here to support our community by making housing assistance easy to understand, accessible, and well-managed.
Low Rent Program
The Low Rent Program provides affordable housing to low-income individuals and families through units built with funding from the U.S. Department of Housing and Urban Development (HUD). These units are designed to offer safe, decent, and sanitary living conditions at a cost that is manageable for households with limited income. Under this program, qualified families enter into a rental agreement with the housing authority and pay rent based on their income, making housing more affordable and stable
Title Conveyances:
The Title Conveyor assists homebuyers who have paid off their Mutual Help Housing Units, ensuring all related homeownership lease documents are properly maintained and updated. This includes managing and processing necessary paperwork when there is a change in homeownership status, such as a transfer or succession. Once a homebuyer has fully paid off their home and met all program obligations, the title conveyance process is initiated. This involves a detailed review coordinated with Zuni Real Estate Services and the Zuni Agency of the Bureau of Indian Affairs (BIA) for final approval. The final steps include obtaining a Board-approved resolution and holding a Closing and Signing Ceremony, where the Quitclaim Deed is formally signed by the homebuyer, Tribal Council representatives, and the BIA. In addition to handling title transfers, this office is also responsible for maintaining an up-to-date inventory of all ZHA housing units and ensuring that each property has appropriate insurance coverage.
Low Income Housing Tax Credit (LIHTC):
ZHA currently manages two tax credit housing projects under this program, each designed to serve low-income individuals and families, including those with special needs. Project #1 includes a total of 38 affordable rental units, with 2 units specifically designated for individuals requiring supportive services to help maintain stable housing. Project #2 offers 21 affordable rental units, also including 2 special needs units for residents who benefit from additional support.​ The special needs units are reserved for individuals who require assistance or services that promote independent living and housing stability. The program aims to ensure that all residents—especially those facing additional challenges—have access to safe, affordable, and supportive housing within their community.
Lease Purchase- Homeownership Program:
The Lease Purchase/Homeownership Program offers a pathway to homeownership for qualified low- to moderate-income Zuni families. Homes are constructed using Indian Housing Block Grant (IHBG) funds and made available to eligible applicants through a lease purchase agreement—allowing families to transition from renting to owning their home over time. To qualify, applicants must have an income between 30% and 80% of the U.S. Median Family Income Limits. Housing development can take place in designated subdivision areas or on scattered sites. For scattered site development, the applicant must provide all required land documentation in their name, including: Zuni Tribal Land Transfer documents A boundary survey plat A 20-foot easement/right-of-way clearly marked on the survey Additionally, the proposed site must be deemed feasible for home construction. To remain active on the Lease Purchase Program waiting list, applicants are required to update their application annually. This program is designed to help Zuni families achieve stable, long-term housing and build generational wealth through homeownership.
Resident Services:
We are dedicated to supporting rental tenants, homebuyers, and homeowners by providing a variety of counseling services designed to promote long-term housing success and financial stability. Services include, but are not limited to, basic budgeting, mortgage finance counseling, home and yard maintenance guidance, understanding home insurance, and preparation for home inspections. These services are offered through one-on-one counseling as well as group workshops, depending on the needs of the residents. As a vital connection between ZHA and the community, the Housing Services Department helps ensure residents have the knowledge and resources they need to maintain their homes, achieve self-sufficiency, and thrive in their neighborhoods.
HUD-VASH
The HUD-VASH (Veterans Affairs Supportive Housing) Program provides rental assistance and supportive services to Zuni veterans who are experiencing homelessness or are at risk of becoming homeless. This program serves veterans living on or near reservations or other designated Indian areas. ZHA gives priority to eligible Native American veterans, with a strong preference for Zuni veterans. To qualify, the total household income must fall within the most current U.S. Median Family Income Limits as established by HUD. Through this program, ZHA helps veterans secure stable housing while connecting them to the supportive services they need to maintain long-term housing stability and improve their overall well-being
Mortgage Lending
HUD Section 184:
The HUD Section 184 Program provides flexible home loan options for Zuni families without strict income limits. Eligibility is based on income, credit, and debt. Homeownership services are available to assist applicants in preparing for the loan process if needed. Applicants can work directly with the lender of their choice and may use the loan for: New home construction Modular homes Purchasing an existing home Renovating a current home Applicants must have a legal land survey for the property they intend to build on or purchase. This program is designed to increase homeownership opportunities for Zuni families by offering affordable financing options and streamlined approval processes.
USDA Self-Help Housing Program:
The USDA Self-Help Housing Program offers a unique path to homeownership for individuals and families who are willing to invest time and effort into building their own homes. To qualify, applicants must meet income guidelines: Household of 1–4: $30,500 – $48,800 Household of 5–8: $40,300 – $64,400 Eligibility is determined by a review of income, credit history, and current debt levels. For those not yet ready, homeownership services are available to help with financial preparation and planning. Participants in this program work together to build their homes from the ground up, gaining valuable construction skills along the way. By contributing labor—known as "sweat equity"—homebuyers can significantly reduce the overall cost of their homes and build long-term pride in ownership.