HUD Section 184 Native American Home Loan Program
Achieve the dream of homeownership with the Native American Home Loan Program, available exclusively for members of federally recognized Native American tribes.
who qualifies for a Section 184 loan?
- Open to American Indians or Alaska Natives who are members of a federally recognized tribe
- Minimum credit score of 640
- Primary residences only
- First-time homebuyer status not required
- Maximum loan limits apply — contact your loan originator for details
Did you know?
The HUD Section 184 Loan Program was created by Congress in 1992 to help members of the underserved Indian Country purchase homes, offering Native Americans a 100% loan guarantee.
Section 184 loan features & benefits
- Low down payment of just 2.25%
- Competitive terms compared to FHA loans
- No monthly mortgage insurance (only a one-time upfront fee)
- Financing available for home purchases or refinances
