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U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Statewide, California

Last verified
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Repayment

Grant

Not repaid

What is U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program is a grant for homebuyers in Statewide, California.

  • HUD Section 184. Min down 1.25% (loans <= $50K) / 2.25% (over $50K). Available on/off trust land. Low fixed rates, low fees.
  • HUD-guaranteed home mortgage product specifically for American Indian and Alaska Native families, federally-recognized Tribes, and Tribal Designated Housing Entities. Low down payment (1.25%-2.25%), low interest rates.
  • Funding comes from HUD.

Do you have to pay it back?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Required - HUD-approved
  • Sourced via Homebuyer Wallet (NAT250037). Restricted to American Indian / Alaska Native, federally-recognized Tribes, Tribal Designated Housing Entities. Available on/off Indian Trust Land. Funding fee 1.5% (financed).

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program sets its income limit as follows: None (eligibility based on Native American membership).

  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program can be used for Single-family, Condo, Townhouse, Manufactured (real property).

  • Manufactured homes are eligible.

Is there eligibility for specific groups?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program names American Indian and Alaska Native buyers among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program serves buyers purchasing in Statewide, California.

How do you apply?

Applications for U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program go through the administering agency.

  1. Take a homebuyer education course

    Required by the program, through Required - HUD-approved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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