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HUD Section 184 Indian Home Loan

HUD Section 184 Indian Home Loan is a loan program (1.25-2.25% down) from HUD ONAP. Coverage: Federally recognized AI/AN tribes and their members. Up to 98.75% toward a home purchase. First-time buyer status is not required. Income limit: No income limit.

Up to 98.75%
Listed as open as of May 2026

Coverage: Federally recognized AI/AN tribes and their members.

First-time buyerNot required
Income limitNo income limit
Minimum credit score580
Maximum DTI41%
OccupationsFederally recognized AI/AN tribes and their members
Property typesTrust, Allotted, IRA, fee simple within tribal jurisdiction
OccupancyOwner-occupied primary; refinance/rehab also eligible
Eligible loan productsSection 184
Sales price capHUD 184 county limits
Repayment1.5% upfront guarantee + 0.25% annual MIP
StackingLayers with tribal DPA
NotesTribal land lease 25+ years required.
Source HUD ONAP·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: HUD ONAP · program details at the provider’s site.

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