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Section 184 Indian Home Loan Guarantee Program (Nevada)

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

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What is Section 184 Indian Home Loan Guarantee Program (Nevada)?

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

  • The Section 184 Indian Home Loan Guarantee Program is a HUD-guaranteed home mortgage product designed for American Indian and Alaska Native families, tribes, and tribally designated housing entities, established by Congress in 1992. It enables enrolled members of federally recognized tribes to buy, build, rehabilitate, or refinance a home with a low down payment (2.25% on loans over $50,000; 1.25% on loans of $50,000 or less), flexible underwriting, and no monthly mortgage insurance premium. Gifts and tribal assistance are permitted toward the down payment and closing costs. In Nevada the loan can be used on or off tribal trust land in HUD-approved counties, through a HUD-approved participating lender.
  • Funding comes from Federal loan guarantee by HUD's Office of Loan Guarantee (loans made by HUD-approved participating lenders).

Do you have to pay it back?

Section 184 Indian Home Loan Guarantee Program (Nevada) 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.

  • Repayment is triggered by Standard mortgage repayment over the loan term (30 years or less).
  • 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?

Section 184 Indian Home Loan Guarantee Program (Nevada) 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; credit standards set by participating lender within HUD guidelines.
  • Citizenship or immigration status: Must be an enrolled member of a federally recognized tribe (or tribe/TDHE/IHA).
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Borrower must be an enrolled member of a federally recognized tribe (or a tribe / TDHE / Indian Housing Authority); enrollment verification required. Loan is limited to single-family 1-4 unit housing and fixed-rate terms of 30 years or less (no ARMs, no commercial). Maximum loan limits vary by county (see HUD county loan-limit PDF). Property must be in a Section 184 eligible area; consult the HUD approved-counties-by-state list for Nevada. Native Hawaiians use the separate Section 184A program. Specific income limits, ratio caps, and fees are set by the participating lender within HUD guidelines and were not assigned numeric values here to avoid unverified figures.

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?

Section 184 Indian Home Loan Guarantee Program (Nevada) sets its income limit as follows: No HUD-published income limit for Section 184; lender qualifies borrower under program/agency guidelines.

  • 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?

Section 184 Indian Home Loan Guarantee Program (Nevada) caps the purchase price as follows: Subject to Section 184 maximum loan limits, which vary by county (see HUD county loan-limit PDF).

  • Eligible property types include Single-family 1-unit, 2-4 unit, New construction, and Rehabilitation.
  • New construction is eligible.

Is there eligibility for specific groups?

Section 184 Indian Home Loan Guarantee Program (Nevada) 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?

Section 184 Indian Home Loan Guarantee Program (Nevada) serves buyers purchasing anywhere in Nevada.

  • The program targets specific areas: Available only in Section 184 HUD-approved eligible areas/counties (on and off tribal trust land). See HUD 'Approved Counties by State' for Nevada eligibility.

How do you apply?

Applications for Section 184 Indian Home Loan Guarantee Program (Nevada) 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 through Borrower applies with a HUD-approved Section 184 participating lender; lender submits to HUD's Office of Loan Guarantee for approval., 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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