U.S. Department of Housing and Urban Development · HOUSING
Section 184 Native American Home Loans
HUD-guaranteed home loan program for Native American and Alaska Native applicants. Offers fixed market interest rates, low down payment, no monthly mortgage insurance, and up to 30-year terms. Loans are made through HUD-approved direct guarantee lenders.
Who's eligible
Any Enrolled Tribal Member Geographic
Applicant must be a member of a federally recognized American Indian tribe or Alaska Native village. Home site must be in a HUD-approved area. As of January 2025, 24 states are fully approved and 15 states are partially approved (county/city-level eligibility within partial states). Verify specific home-site eligibility with HUD or an approved Section 184 lender. Source: HUD "Section 184 Approved Program Areas," January 2025.
Where it's offered
Regional
24 fully approved states (any home site qualifies) and 15 partially approved states (specific counties only). Source: HUD "Section 184 Approved Program Areas," January 2025 (hud.gov/section184).
How to apply
Find a HUD Section 184-approved direct guarantee lender via the HUD program page and apply through the lender. Lenders handle eligibility verification, application paperwork, and loan processing.
Online Portal Phone
Last verified against the official source on 2026-05-05.