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HUD Section 184 Indian Home Loan Guarantee Program

U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee · Montana

Last verified
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Assistance

$524,225

The maximum the program publishes — not an offer

Price cap

$524,225

Highest purchase price the program allows

What is HUD Section 184 Indian Home Loan Guarantee Program?

HUD Section 184 Indian Home Loan Guarantee Program is a first mortgage for homebuyers in Montana, administered by U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee.

  • The HUD Section 184 Indian Home Loan Guarantee Program is a federal first mortgage product for American Indian and Alaska Native families, villages, tribes, and TDHEs. It provides a 100% loan guarantee to approved lenders, enabling flexible underwriting, low down payments (2.25% over $50,000; 1.25% for $50,000 or less), and a 1% upfront guarantee fee (financeable). No annual MIP since July 1, 2023. Usable on or off native lands for purchase, construction, rehabilitation, or refinance. All Montana counties and tribes participate.
  • 100% loan guarantee.
  • Low down payment (as little as 1.25%).
  • No annual mortgage insurance premium.
  • Flexible underwriting.
  • Usable on tribal trust land AND off-reservation.
  • All Montana counties eligible.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from Federal loan guarantee (100% guarantee to lender); HUD Office of Native American Programs.

How much assistance does it provide?

HUD Section 184 Indian Home Loan Guarantee Program offers up to $524,225 in assistance.

  • Buyer contribution: Minimum down payment: 2.25% for loans over $50,000; 1.25% for loans $50,000 or less.
  • The program can be combined with FHLB Des Moines NAHI; Blackfeet Housing Home Ownership Program; Apsaalooke Nation Housing Authority DPA; tribal IHBG assistance.
  • Amounts are the program's published maximums, not an offer — U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee determines any individual award.

Do you have to pay it back?

HUD Section 184 Indian Home Loan Guarantee Program is a first mortgage and is repaid under the terms set by U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee.

  • The assistance is recorded in First position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

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
  • On credit: Flexible underwriting; no fixed minimum credit score — lender applies manual underwriting
  • Residency: Must purchase in an area where the borrower's tribe participates in Section 184; all Montana counties eligible
  • Citizenship or immigration status: Must be enrolled member of a federally recognized tribe; American Indians or Alaska Natives; tribes or TDHEs also eligible
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Must use a HUD-approved Section 184 participating lender. On tribal trust land, borrower must obtain a 50-year lease (leasehold mortgage). 1% upfront guarantee fee (may be financed). Max lot size 40 acres in Montana.

The program excludes

  • Purchases above the $524,225 price cap

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 kind of home can it be used for?

HUD Section 184 Indian Home Loan Guarantee Program caps the purchase price at $524,225.

  • Eligible property types include Single Family, Condo, Manufactured, and Other.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

HUD Section 184 Indian Home Loan Guarantee Program names veterans, active-duty service members, reservists and National Guard members, and 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?

HUD Section 184 Indian Home Loan Guarantee Program is a federal program, so it is not limited to Montana.

How do you apply?

Applications for HUD Section 184 Indian Home Loan Guarantee Program go through U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee, which publishes the current terms and the application steps on its own site.

  1. Contact U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee to reserve funds

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

  2. 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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