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HUD Section 184 Indian Home Loan Guarantee Program

HUD Section 184 Indian Home Loan Guarantee Program is a government-guaranteed first mortgage from U.S. Department of Housing and Urban Development (HUD). Coverage: Entire State of Oklahoma is eligible (no limits on/off tribal land). First-time buyer status is not required. Income limit: None (lender-set DTI).

Amount varies by program
Listed as open as of May 26, 2026

Coverage: Entire State of Oklahoma is eligible (no limits on/off tribal land).

First-time buyerNot required
Income limitNone (lender-set DTI)
OccupationsNative American/American Indian/Alaska Native (enrolled in federally recognized tribe)
Sales price capCounty loan limits apply
Amount notesLoan with low down payment: 2.25% down on loans over $50,000; 1.25% on loans under $50,000
NotesOklahoma leads the nation in Section 184 lending volume. Available to all federally recognized tribal members. Often paired with REI Oklahoma, Cherokee MAP, Choctaw DPA, etc.
Phone405-609-8500 (HUD OKC Office)
Source U.S. Department of Housing and Urban Development (HUD)·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: U.S. Department of Housing and Urban Development (HUD) · program details at the provider’s site.

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