HUD Section 184 Indian Home Loan Guarantee Program (Wyoming)

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

HUD Section 184 Indian Home Loan Guarantee Program (Wyoming) is a first mortgage for homebuyers in Statewide, Wyoming, administered by HUD Office of Native American Programs / Office of Loan Guarantee (via approved lenders).

• The Section 184 Indian Home Loan Guarantee Program is a home mortgage product for American Indian and Alaska Native families, tribes, and TDHEs, established by Congress in 1992. It offers a low down payment (2.25% over $50K; 1.25% under $50K) and flexible underwriting. Borrowers must be enrolled members of a federally recognized tribe. Available in select Wyoming counties including the Wind River Reservation area.
• Low down payment.
• Flexible underwriting.
• No annual guarantee fee (since July 2023).
• 1% upfront fee may be financed.
• This is a federal program, so it is available beyond a single state or city.

Do you have to pay it back?

HUD Section 184 Indian Home Loan Guarantee Program (Wyoming) is a first mortgage and is repaid under the terms set by HUD Office of Native American Programs / Office of Loan Guarantee (via approved lenders).

• 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 (Wyoming) is open to buyers who will live in the home as their primary residence.

What kind of home can it be used for?

HUD Section 184 Indian Home Loan Guarantee Program (Wyoming) can be used for Single Family and Manufactured.

• New construction is eligible.
• Manufactured homes are eligible.

Is there eligibility for specific groups?

HUD Section 184 Indian Home Loan Guarantee Program (Wyoming) 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?

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

How do you apply?

Applications for HUD Section 184 Indian Home Loan Guarantee Program (Wyoming) go through HUD Office of Native American Programs / Office of Loan Guarantee (via approved lenders), which publishes the current terms and the application steps on its own site.

1. 1

   Contact HUD Office of Native American Programs / Office of Loan Guarantee (via approved lenders) to reserve funds

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

2. 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.