Funding

ELAP provides financial assistance to eligible producers of livestock, honeybees and farm-raised fish for losses due to disease, certain adverse weather events or loss conditions, including blizzards and wildfires, as determined by the Secretary. ELAP assistance is provided for losses not covered by other disaster assistance programs authorized by the 2014 Farm Bill and the Bipartisan Budget Act of 2018, such as losses not covered by the Livestock Forage Disaster Program (LFP) and the Livestock Indemnity Program (LIP).

Categories: emergency assistance, disaster resources, extreme weather events

he Emergency Forest Restoration Program (EFRP) helps the owners of non-industrial private forests restore forest health damaged by natural disasters. The EFRP does this by authorizing payments to owners of private forests to restore disaster damaged forests.

The local FSA County Committee implements EFRP for all disasters with the exceptions of drought and insect infestations. In the case of drought or an insect infestation, the national FSA office authorizes EFRP implementation.

Categories: forest restoration, forest management, private forests, non-industrial forests, natural disasters, forest health

Most Recent Deadline: March 1, 2024. The purpose of this call for proposals (CFP) is to support Indigenous-led systematic inquiry to enhance the health and wellbeing of Indigenous Peoples and generate approaches to improve health equity. This will be achieved by funding community-prioritized investigation, elevating and integrating Indigenous cultures and knowledge-building practices. To support a diverse range of projects tailored to different phases of development and scope, awards will be made through two tracks, as described later in this solicitation. Number of Awards: The number of grants to be awarded (both by track and in total) will be determined based on the number, size, and scope of the studies proposed, and we expect to award grants in a range of sizes and durations.• Amount of Award: A total of up to $4 million will be awarded through this CFP.  Track 1: Initiating and Developing Research Capacity and Infrastructure● There is not an explicit budget cap for awards funded under this track, but we expect that grants will be in the approximate range of $100,000–$400,000 total. We anticipate much of the grant duration to involve relationship-building, trust development, and community feedback processes. Proposals must demonstrate a clear plan for ongoing and sustained collaboration and continued work with newly engaged partners.Track 2: Supporting Later-Stage, Sustained Research Efforts  There is not an explicit budget cap for awards funded under this track, but we expect grants will be in the range of approximately $500,000–$750,000 total. We expect project teams to demonstrate established, equitable partnerships with Indigenous communities who can begin testing a solution or strategy as part of their project.  Duration of Awards: Preference is for award durations between two and three years (24–36 months), but durations of up to five years (60 months) will be considered with reasonable justification. 

Categories: health, health equity, climate change, climate change impacts, racial equity

Deadline Passed April 17, 2019. Deadline Unknown for 2020. The National Forest Foundation Ski Conservation Fund (SCF) and Forest Stewardship Fund (FSF) provide funding for action-oriented on-the-ground or citizen-based monitoring projects that improve forest health and outdoor experiences on National Forests and Grasslands. Award funds come from guest contributions at ski areas and lodges operating on or adjacent to National Forest System lands, with added National Forest Foundation federal funds for SCF.

Categories: funding, forest health, outdoor, recreation, National Forests

HUD Indian Housing Block Grants. Most recent deadline: December 10, 2020. The U.S. Department of Housing and Urban Development (HUD) is accepting applications from eligible Indian tribes and tribally designed housing entities to carry out affordable housing activities for benefits of low-income Native American families. Grant funds may be used to develop, maintain, and operate affordable housing in safe and healthy environments on Indian reservations and in other Indian areas, and carry out other affordable housing activities. Grant funds must be used to primarily benefit low-income Indian families. https://www.hud.gov/program_offices/public_indian_housing/ih/grants/ihb…

Categories: housing, healthy homes, affordable housing, low-income families

Deadline passed. Most recent deadline: 10/18/2021.This competition will focus on research to improve our understanding, early warning, and management of drought risk in terrestrial and aquatic ecosystems to inform more deliberate and expanded decision-making that supports sustainable, healthy, and resilient ecosystems.About the NIDIS Coping with Drought Competition. Since 2007, the National Integrated Drought Information System (NIDIS) has funded more than 60 innovative drought research projects through the Coping with Drought research competition. Research through the Coping with Drought competition assesses impacts of drought on agriculture, ecosystems, and water resources and develops decision support tools for regional, state, and local use. This research contributes to the understanding of how communities become aware of drought threats and how they can improve preparation and planning. The projects incorporate consultation with stakeholders, and focus on information that is most useful for decision-making to reduce vulnerability; models and tools that bring this information to decision makers; and strategies for improving NIDIS’ engagement with communities in preparedness.

Categories: drought, research, impacts, decision-making, recreation, water utilities

Applications Due: June 13, 2022. The Federal Emergency Management Agency’s (FEMA), Grant Programs Directorate (GPD) invites representatives of federally recognized tribes to participate in upcoming technical assistance webinars regarding the Fiscal Year (FY) 2022 Tribal Homeland Security Grant Program (THSGP) and other preparedness grant programs that support tribal nations. The FY 2022 THSGP provides $15 million to directly eligible tribes to enhance the ability of tribal nations to prevent, protect against, respond to, and recover from potential terrorist attacks and other hazards. Learn more and apply here.

Categories: Disaster preparedness, recovery, natural disasters, capacity, emergency preparedness

Previous Deadline: 05/22/2020. Funded by the California Energy Commission (CEC) and administered by the California Strategic Growth Council (SGC), the Tribal Government Challenge Planning Grant Program will provide funds for California Tribes to conduct planning to identify solutions to reduce greenhouse gas emissions, improve clean energy access, and advance climate adaptation and resiliency on Tribal lands and in Tribal communities. For more information and to apply, click here.

Previous Deadline: 05/31/2020. This emergency funding opportunity is designed to fund federally recognized tribes that contract or compact with the Indian Health Service under Title I and Title V of the Indian Self-Determination and Education Assistance Act, or consortia of these tribes, or their bona fide agents. All federally recognized tribes, tribal organizations, consortia of federally recognized tribes, or their bona fide agents should apply for this announcement to be considered for future funding under this announcement. During a national emergency, these organizations are uniquely positioned to provide emergency preparedness and response support for tribal health departments and other components of the tribal public health system.

Categories: COVID-19, Health

The Seventh Generation Fund for Indigenous Peoples is offering emergency funding to Native families impacted by the wildfires in the West. These one-time disbursements will be coordinated through our Flicker Fund to provide help during evacuations, loss of homes, escape from heavy smoke events, and other emergencies. Taking applications from September 10 - 25, 2020. Visit: https://7genfund.submittable.com/submit/174434/flicker-wildfire-response.

For Fiscal Year 2021, the National Oceanic and Atmospheric Administration’s Adaptation Science Program is soliciting proposals focused on U.S. coastal communities planning for the future impacts of flooding in the context of climate change and other stressors. The program seeks to advance the science of adaptation by soliciting proposals for interdisciplinary and social science research projects that accelerate, expand and enhance the effectiveness and scale of adaptation and resilience planning and implementation in the face of complex challenges in coastal settings. https://cpo.noaa.gov/Funding-Opportunities/FY-2021-Notice-of-Funding-Op…

Completed proposals are due September 24th, 2021. Bureau of Reclamation - Emergency Drought Response Actions. Deadline to Apply: September 24, 2021. Bureau of Reclamation has an $8 million funding opportunity for Emergency Drought Response Actions. All actions need to be temporary activities that minimize losses and damages resulting from drought conditions. We anticipate announcing project selections in late October 2021. Please send the following information about applying for this funding to any interested parties. Projects that fall under this opportunity include but are not limited to water hauling, temporary pumps and pipes, water purchases, temporary water contracts (2-year limitation), and/or use of Reclamation Facilities for Storage and Conveyance. Reclamation is responsible for completing the work or contracting the work. Projects can improve health and safety of people or benefit fish and wildlife. There is no cost share or nexus to Reclamation required. If you are in the Columbia-Pacific Northwest Region, we have a process to be considered for this funding. Please email lmeeks@usbr.gov to request the 1-page initial request template. This information will be used to determine project eligibility. After sending the completed form to lmeeks@usbr.gov with "Drought Emergency Response" in the subject line, you will receive a template of the proposal for funding consideration. You can begin working on this proposal and will shortly hear from our office on your project’s eligibility status. Reclamation staff are available to discuss projects, explain the process, and answer any questions. Please contact Leah Meeks (lmeeks@usbr.gov or 208-378-5025) or Rebekah Triolo (rtriolo@usbr.gov or 208-378-5336).

Categories: Drought, WaterSmart

Deadline passed. Most recent deadline: November 1, 2021. The NOAA Office of Education has issued a competitive funding opportunity for projects that develop the collective environmental literacy necessary for communities to take actions that build resilience to extreme weather and climate change in ways that contribute to community health, social cohesion, and socio-economic equity. This funding opportunity is soliciting two types of projects through separate competitive priorities. Priority 1 awards are intended to fund new projects located in Central and Eastern Regions of the United States. These regions include the following states: Colorado, Connecticut, Delaware, District of Columbia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming. The entirety of a project must only serve audiences located in one or more of the listed states. Note: The previous funding opportunity for this program covered the other states and territories of the United States. Priority 2 awards will support the evolution of projects funded under the 2015-2018 funding opportunities from this program (NOAA-SEC-OED-2015-2004408, NOAA-SEC-OED-2016-2004737, and NOAA-SEC-OED-2018-2005455). Please note that NOAA does not anticipate issuing a solicitation for applications next year. Rather, applications to this funding opportunity may be funded with fiscal year 2022 and 2023 funds. Deadlines: For Priority 1, the deadline for pre-applications (required) is 11:59 pm EDT on November 1, 2021. Only those institutions that receive authorization from NOAA are eligible to submit a full application, which will be due 11:59 pm EDT on March 17, 2022. For Priority 2, pre-applications are not required and the deadline for full applications is 11:59 pm EST on January 25, 2022. For more information and to apply, visit: https://www.noaa.gov/office-education/elp/grants/apply.

Deadline passed. Most recent deadline: 10/12/2021. The National Science Foundation (NSF) Directorate for Education and Human Resources (EHR) seeks to support bold, ground-breaking, and potentially transformative projects addressing systemic racism in STEM. Proposals should advance racial equity in science, technology, engineering, and mathematics (STEM) education and workforce development through research (both fundamental and applied) and practice. Core to this funding opportunity is that proposals are led by, or developed and led in authentic partnership with, individuals and communities most impacted by the inequities caused by systemic racism. https://beta.nsf.gov/funding/opportunities/racial-equity-stem-education…

Categories: Equity, STEM

Deadline passed. Most recent deadline: April 16, 2022. ETIPP is accepting applications through April 15 and has an informational webinar on Feb 16. Competitively selected communities receive technical assistance from the ETIPP network, working collaboratively with DOE and national laboratories and regional partner organizations on strategic energy planning and analysis to investigate solutions that address their specific challenges and goals. Spark Northwest is available to support rural communities and tribal governments with their applications. Learn more and apply here.

Categories: Energy resilience, energy transition, remote communities, capacity building

Deadline passed. Most recent deadline: April 5, 2022. The Agricultural Marketing Service (AMS) will establish cooperative agreements with state and tribal governments for the purpose of supporting local, regional, and socially disadvantaged farmers/producers through food purchasing under the Build Back Better Initiative. These cooperative agreements will allow for entities to procure local, domestic foods that are unique to their geographic area and meet the needs of the populations. In addition to increasing local food consumption, funds are expected to help build and expand economic opportunity for local and socially disadvantaged farmers/producers. Learn more and apply here.

Categories: Food assistance, economic opportunity, food storage, food distribution

Most Recent Deadline for Pre-Proposals: April 4, 2024. The National Fish and Wildlife Foundation (NFWF), through anticipated cooperative agreements from the Department of the Interior (DOI), Department of Defense (DOD), and the Department of Agriculture’s U.S. Forest Service (USFS) and Natural Resources Conservation Service (NRCS), is releasing the America the Beautiful Challenge (ATBC) 2024 Request for Proposals (RFP). The ATBC vision is to streamline grant funding opportunities for new voluntary conservation and restoration projects throughout the United States. This RFP consolidates funding from multiple federal agencies and the private sector to enable applicants to conceive and develop large-scale, locally led projects that address shared funder priorities spanning public, Tribal, and private lands. For more information, visit: https://www.nfwf.org/programs/america-beautiful-challenge/americas-ecos…;

Categories: Ecosystem restoration, equity, community leadership, workforce development, conservation

Most recent Deadline: August 11, 2023. This Request for Applications is expected to result in the award of cooperative agreements to support the Great Lakes Restoration Initiative Action Plan III (pdf) (12.51 MB, October 2019) . This RFA is the Great Lakes National Program Office’s (GLNPO’s) major competitive grant funding opportunity for FY-23 to help fulfill EPA’s commitment to Environmental Justice (EJ) by establishing Great Lakes Community Environmental Justice Grant Programs to be used for issuing and overseeing subawards for environmental restoration projects in historically underserved Great Lakes communities. This RFA is targeted at a pass-through entity or entities ("principle recipients") with established relationships with underserved communities or with the ability to quickly build and sustain such relationships with those communities in order to develop and implement a subaward funding program to fund projects in those communities pursuant to the Great Lakes Restoration Initiative Action Plan III.

Categories: Great Lakes, environmental justice, cooperative agreements

The Lenfest Ocean Program is interested in funding projects that elevate Indigenous Peoples in sharing their traditions, culture, knowledge, and wisdom to improve evidence-based decision-making for the management, conservation, and restoration of coastal marine species, habitats, and ecosystems. Until recently, Indigenous Peoples' ways of knowing were not considered in planning and management decisions, prompting recent calls to rectify this situation. Thus, the Lenfest Ocean Program is issuing a Request for Proposals (RFP) to support: collection, analysis, and/or communication of Indigenous Knowledge and wisdom; and engagement approaches that facilitate the integration of this knowledge in ocean and coastal management decisions.

Categories: ocean, climate change

Deadline Passed. Most Recent Deadline: November 6, 2023. EPA is soliciting applications from eligible entities for projects in underserved communities that are disadvantaged or serve a population of less than 10,000 individuals to increase drinking water system resilience to natural hazards as described in Assistance Listing 66.448. For the purposes of this grant program, the term “resilience,” as defined in (SDWA section 1433(h) and incorporated by reference in SDWA section 1459A, means the ability of a community water system or an asset of a community water system, for example the equipment, buildings, land, people, and other components needed to deliver safe and clean water, to adapt to or withstand the effects of a natural hazard without interruption to the corresponding function, or if the function is interrupted, to rapidly return to a normal operating condition. For the purposes of this grant program, the term “natural hazard” means a natural event, such as an earthquake, tornado, flood, hurricane, wildfire, drought, freezing or hydrologic change that threatens the functioning of a community water system, as defined in Section 1433(h) of the SDWA and incorporated by reference in section 1459A. When considering these natural disaster threats, a public water system may take into account risks associated with climate change to ensure that resilience-building activities address future conditions such as increasing or decreasing temperatures, changes in precipitation, and, where applicable, sea-level rise. The goal of the first National Priority Area is to increase drinking water system resilience by implementing smaller-scale resilience projects informed by drinking water system plans. The goal of the second National Priority Area is to improve drinking water system resilience through large-scale infrastructure improvements and/or optimization of mitigation measures at a drinking water system.

Categories: Conservation of water or the enhancement of water use efficiency
Modification or relocation of existing drinking water system infrastructure significantly impaired by natural hazards
Design or construction of desalination facilities to serve existing communities
Enhancement of water supply through watershed management and source water protection
Enhancement of energy efficiency or the use and generation of renewable energy in the conveyance or treatment of drinking water
Measures to increase the resilience of the drinking water system to natural hazards, including planning for analytical considerations and climate change

Most recent deadline: December 14, 2023.  The Marine Debris Community Action Coalitions funding opportunity will support the creation of coalitions and partnerships among communities, groups, and localities, especially those that have been traditionally underserved, to address marine debris prevention and removal. Brief Description: The National Sea Grant Office (NSGO) anticipates approximately $3,000,000 in FY 2024 and 2025 federal funds will be available to individual Sea Grant programs in order to support approximately 10-20 Marine Debris Community Action Coalitions. Each award will be no greater than $300,000. Applications DO NOT require the standard 50% non-federal match for Sea Grant projects. Eligible Applicants: This competition is open to all Sea Grant programs. Please carefully review the specific instructions for the National Sea Grant IIJA Marine Debris Community Action Coalitions opportunity found on Inside Sea Grant. 

Categories: Marine Debris, Bipartisan Infrastructure Law, BIL, Sea Grant

Deadline Passed:: January 31, 2024. The Marine Debris Challenge Competition will support original, innovative, and transformational marine debris prevention and removal research that pushes the boundaries of existing technologies and approaches, changes the current landscape of marine debris mitigation, and ties that research to tangible outputs. Brief Description: Sea Grant anticipates approximately $16,000,000 in FY 2024 and 2025 federal funds will be available to support research to application projects that will address the prevention and/or removal of marine debris, with award periods of three years. Applications DO NOT require the standard 50% non-federal match for Sea Grant projects. However, applicants are strongly encouraged to combine NOAA federal funding with formal matching contributions and informal leverage from a broad range of sources in the public and private sectors. Eligible Applicants: This opportunity is open to any person or group within the United States or its territories, as well as tribal nations within those geographies. Applicants must submit proposals in partnership with a relevant Sea Grant program. Please note that it is not a requirement that investigators, including the PI, are part of a Sea Grant program. Applicants and awardees from the FY22 National Sea Grant Infrastructure Investment and Jobs Act (IIJA) Marine Debris Challenge Competition are eligible to apply for these funds. Please carefully review the specific instructions for the Marine Debris Challenge Competition opportunity found on the Sea Grant Funding page. Questions about the competitions may be sent to oar.sg.marine-debris@noaa.gov.

Categories: Marine Debris, Bipartisan Infrastructure Law, BIL, Sea Grant

Latest Deadline: October 27, 2023. The NOAA Marine Debris Program will award up to $24 million through the Bipartisan Infrastructure Law to support the removal of large marine debris throughout the coastal United States, Great Lakes, territories, and Freely Associated States. These removal projects should focus on large marine debris, including abandoned and derelict vessels, derelict fishing gear, and other debris that is generally unable to be collected by hand. Required Letter of Intent Deadline: Friday, October 27, 2023 Full Proposal Deadline: Friday, February 23, 2024*

Categories: marine debries, Bipartisan Infrastructure Law

Deadline Passed. Most Recent Deadline: November 15, 2023. The NOAA Marine Debris Program will award up to $4 million through the Bipartisan Infrastructure Law to support the installation of proven marine debris interception technologies, throughout the coastal United States, Great Lakes, territories, and Freely Associated States. Projects will focus on the installation, monitoring, and maintenance of proven marine debris interception technologies that will capture marine debris at or close to known marine debris sources or pathways. Application Deadlines: Required Letter of Intent Deadline: Wednesday, November 15, 2023 Full Proposal Deadline: Friday, March 15, 2024*

Categories: Marine Debris, Bipartisan Infrastructure Law

Deadline Passed. Most Recent Deadline: November 6, 2023. The Fixing America’s Surface Transportation (FAST) Act established the NSFLTP Program to provide Federal financial assistance to projects of national significance for construction, reconstruction, or rehabilitation of transportation facilities within, adjacent to, or providing access to Federal or Tribal lands. The Infrastructure Investment and Jobs Act (Pub. L. 117-58, November 15, 2021, “Bipartisan Infrastructure Law,” or “BIL”) modified the program in several ways, including providing $55 million per year from the Highway Trust Fund, as well as authorizing up to an additional $300 million per year from the General Fund, for each of FYs 2022 through 2026. The BIL also reduced minimum project sizes from $25 million to $12.5 million, directed 50 percent of the funds towards Tribal transportation facilities, increased the Federal share of projects on Tribal transportation facilities to 100 percent and required funding of at least one eligible project submitted by the National Park Service for a unit of the National Park System with 3,000,000 annual visitors or more.

Categories: Transportation, Bipartisan Infrastructure Law, BIL

Most Recent Deadline: December 19, 2023. $45 million in funding is available for projects that will advance the coastal habitat restoration and climate resilience priorities of tribes and underserved communities under the Bipartisan Infrastructure Law and Inflation Reduction Act. Through this funding, NOAA will help support community-driven habitat restoration and build the capacity of tribes and underserved communities to more fully participate in restoration activities. Of the $45 million in funding available, $20 million is specifically available to U.S. federally recognized tribes, Alaska Native Corporations, and organizations that represent tribes through formal legal agreements, through direct awards or subawards: A direct award is an award where the tribe is the applicant, receives an award from NOAA, and administers the award. A subaward to a tribe is an award where a non-tribal applicant receives a direct award from NOAA, but provides a specific amount of funding to a tribe to carry out a portion of the award. The remaining $25 million will be available to all eligible applicants, to support opportunities for tribes and underserved communities to meaningfully engage in coastal habitat restoration activities.

Categories: coastal habitat, NOAA, IRA, BIL, Inflation Reduction Act, Bipartisan Infrastructure Act

Most Recent Deadline: March 1, 2024. The purpose of this call for proposals (CFP) is to support Indigenous-led systematic inquiry to enhance the health and wellbeing of Indigenous Peoples and generate approaches to improve health equity. This will be achieved by funding community-prioritized investigation, elevating and integrating Indigenous cultures and knowledge-building practices. To support a diverse range of projects tailored to different phases of development and scope, awards will be made through two tracks, as described later in this solicitation. Preference will be given to applicant organizations that are Tribal entities (including those that are state recognized, federally recognized, or have no formal recognition status) or Indigenous-Serving Organizations, including Urban Indian Organizations. Track 1: Initiating and Developing Research Capacity and InfrastructureThere is not an explicit budget cap for awards funded under this track, but we expect that grants will be in the approximate range of $100,000–$400,000 total. We anticipate much of the grant duration to involve relationship-building, trust development, and community feedback processes. Proposals must demonstrate a clear plan for ongoing and sustained collaboration and continued work with newly engaged partners.Track 2: Supporting Later-Stage, Sustained Research Efforts  There is not an explicit budget cap for awards funded under this track, but we expect grants will be in the range of approximately $500,000–$750,000 total. We expect project teams to demonstrate established, equitable partnerships with Indigenous communities who can begin testing a solution or strategy as part of their project.  

Deadline passed. Most recent deadline: January 15, 2024. Transportation fatalities and injuries severely impact the quality of life in Indian country. Each year under the Bipartisan Infrastructure Law (BIL), as enacted by the Infrastructure Investment and Jobs Act (Public Law 117-58), 4% of the available TTP funds are set aside to address transportation safety issues identified by federally recognized Indian tribes through a competitive, discretionary program. Projects are chosen whose outcomes will reduce fatal and serious injuries in transportation related incidents, such as motor vehicle crashes.

Deadline Passed. Most recent deadline: January 23, 2024. The Tribal Broadband Connectivity Program (TBCP) is a $3 billion program, from President Biden’s Bipartisan Infrastructure Law and the Consolidated Appropriations Act, to support Tribal governments bringing high-speed Internet to Tribal lands, including telehealth, distance learning, affordability, and digital inclusion initiatives. The program seeks to improve quality of life, spur economic development, and create opportunities for remote employment, online entrepreneurship, remote learning, and telehealth by expanding broadband access and by providing digital training and inclusion programs to Native American communities. This second round of funding from the Tribal Broadband Connectivity Program will make approximately $980 million available on Native American, Alaska Native and Native Hawaiian lands for deployment of Internet infrastructure, affordability programs, telehealth and distance learning initiatives.

Rolling deadline. If you’re a Veteran, and either you or your spouse is Native American, our Native American Direct Loan (NADL) program may help you get a loan to buy, build, or improve a home on federal trust land. You may also get a loan to refinance an existing NADL and reduce your interest rate. Find out if you qualify for an NADL—and how to apply. An NADL offers many benefits, including:

No down payment required in most cases.
No need for private mortgage insurance (PMI), which is commonly charged to conventional loan borrowers.
Limited closing costs (fees you pay for services and other costs related to getting a loan and buying a home).
A low-interest, 30-year fixed mortgage (a fixed mortgage means your interest rate will stay the same over the full life of the loan). The current VA interest rate for NADLs starts at 2.5%. To find out what your interest rate will be, contact an NADL coordinator by email at NADL@va.gov or by phone at 888-349-7541 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.
A reusable benefit, which means you can get more than one NADL to buy, build, or improve another residence in the future.
The ability to refinance a current NADL for a lower interest rate.
The ability to borrow up to the Fannie Mae/Freddie Mac conforming loan limit on a no-down-payment loan in most areas—and more in some high-cost counties. You can borrow more than this amount if you want to make a down payment.