Section 184 Indian Home Loan Guarantee
U.S. Department of Housing and Urban Development (HUD)
1.25-2.25% down, low rates, no PMI
Overview
Home loan guarantee for members of federally recognized tribes — as low as 1.25% down.
Detailed requirements
Applicant must be a member of a federally recognized American Indian or Alaska Native tribe. Down payment as low as 1.25% (under $50K loan) or 2.25% (above $50K). No PMI. Available on/off reservation in approved states.
Eligibility at a glance
- Owner-occupied required
- Yes
Note: Borrower must be an enrolled member of a federally recognized tribe or an Alaska Native Village.
Ready to apply?
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Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.