What word or phrase does your mother always say?
"downy," late 15c., from nap (n.1) + -y (2). Meaning "fuzzy, kinky," used in colloquial or derogatory reference to the hair of black people, is from 1950.
Dirty; messy: Kelly's panties are nappy. No doubt, she's been wearing them for a week (1980s+ Students)