HUD 184 Loan Guarantee Program

This loan program was established by Congress in 1992 and has been specifically designed for American Indian and Alaska Native families, Alaska villages, tribes or tribally designated housing entities. Native Hawaiians can qualify through the Section 184A Program.

Borrowers who qualify for this program can get into a home with a low down payment and flexible underwriting. HUD 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase or refinance.

After applying with a participating lender, the lender reviews the necessary documentation and submits the loan to HUD’s Office of Loan Guarantee for approval.

  • Purchase of a 1-4 single family residence
  • Fixed-rate loans only
  • Construction of a new home (site-built or manufactured home on permanent foundation)
  • Rehabilitate a home, including weatherization
  • Refinance (Streamline or Cash Out)
  • Commercial buildings are excluded
  • Maximum loan limit by county Revised (Effective June 1, 2016)

Eligible Borrowers:

  • American Indians or Alaska Natives who are members of a federally recognized tribe
  • Federally recognized Indian tribes (Complete List)
  • Tribally designated housing entities
  • Indian Housing Authorities

Eligible Areas:

  • State of Alaska
  • State of Colorado
  • Approved Counties in Texas: El Paso, Hudspeth


Both Jackie and Robin were very helpful and always available to answer questions I had. Thank you for making this process as smooth as it could be.

Nicole S.

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