HUD 184: A Powerful Home Loan Option for Native American Buyers

As a real estate agent, I’m committed to helping every family find the resources that best support their homeownership journey. For Native American and Alaska Native communities, one of the most powerful—and often underutilized—options is the HUD 184 Home Loan Program.

What is the HUD 184 Loan?

The Section 184 Indian Home Loan Guarantee Program is designed specifically for American Indian and Alaska Native families, tribes, and housing entities. It provides an affordable path to homeownership with benefits that are hard to match:

• ✅ Low 2.25% down payment

• ✅ No mortgage insurance

• ✅ Lenient credit requirements

• ✅ No income limits

• ✅ Can be used for 1–4 unit homes or refinancing

• ✅ Can be combined with down payment assistance for no money down

Who’s Eligible?

To qualify, you must be:

• A member of a federally recognized tribe

• A Tribally Designated Housing Entity (TDHE)

• An Indian Housing Authority (IHA)

Where Is It Available?

HUD 184 is available throughout Washington State and in many other areas nationwide. Not all counties may qualify, so check eligibility based on location.

Why It Matters

For many Native families, this program can be a game-changer—offering a path to stable housing and wealth-building opportunities with flexible terms. Whether you’re a first-time buyer or looking to refinance, HUD 184 deserves a serious look.

Let’s Talk

If you’re a member of a federally recognized tribe and are interested in learning more about HUD 184, I’d love to help guide you through the process. I work with loan officers who understand the ins and outs of this program and are here to support you every step of the way.

📞 Let’s connect today and get you one step closer to home!