Are You Eligible for a Section 184 Loan?

Are You Eligible for a Section 184 Loan?

Who-is-Eligible-for-a-Section-184-Loan184 Home Loan is reserved for members of Native Americans and Alaskan tribes, so to receive a Section 184 loan you must be an enrolled member of a Federally Recognized Tribe. Verification or tribal enrollment will be necessary upon application for a Section 184 loan. Enrollment decisions are made solely by the tribal government. Typically your tribe will provide a card or a letter proving your enrollment status.

  • American Indians or Alaska Natives who are members of a federally recognized tribe
  • A member of an Alaska Village and Regional Corporation established pursuant to the Alaska Native

Claims Settlement Act

  • An Indian tribe
  • A Tribally Designated Housing Entity (TDHE)
  • An Indian Housing Authority (IHA)


Here are just a few of the benefits of a HUD 184 Loan:

  • Available on or off tribal lands
  • Low down payment of just 2.25%
  • No income limits
  • Don't need to be a first-time homebuyer
  • Seller can pay your closing costs
  • Lower minimum credit scores
  • Compatible with down payment assistance programs
  • No monthly mortgage insurance premiums
  • Available in all 50 states

Where is the Section 184 Eligible?

Who is Eligible for a Section 184 Loan?Entire State Approval - Alaska, Arizona, California, Colorado, Florida, Idaho, Indiana, Kansas, Maine, Massachusetts, Michigan, Minnesota, Montana, Nevada, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Utah, Washington, Wisconsin.

Partial State Approval

  • Alabama - Baldwin, Elmore, Escambia, Mobile, Monroe, Montgomery, Washington
  • Arkansas - Benton, Washington
  • Connecticut - Fairfield, Litchfield, New London
  • Illinois - Cook, Dupage, Kane, Lake,
  • Iowa - Black Hawk, Linn, Marshall, Monona, Polk, Pottawattamie, Poweshiek, Tama, Woodbury
  • Louisiana - Allen, Avoyelles, Concordia, Evangeline, Grant, Iberia, Iberville, Jefferson Davis, La Salle, Rapides, Saint Mary, Washington
  • Missouri - Barry, Jasper, Lawrence, McDonald, Newton
  • Mississippi - Attala, Jackson, Jasper, Jones, Kemper, Leake, Neshoba, Newton, Scott, Winston
  • Nebraska - Boyd, Burt, Cuming, Dixon, Douglas, Hall, Holt, Knox, Lancaster, Madison, Platte, Richardson, Sarpy, Sheridan, Stanton, Thurston, Wayne
  • New York - Entire state but the counties of Bronx, Kings, New York, Queens, Richmond
  • Rhode Island - Washington County
  • Texas - El Paso, Hudspeth
  • Wyoming - Fremont, Hot Springs

Why Should I Use the Section 184 Loan?

  • Low Down Payment: 2.25% on loans over $50,000 and only 1.25% on loans under $50,000
  • Low Interest Rates: based on market rates, not on applicant’s Credit Scores
  • Manual Underwriting: The Program utilizes a hands-on approach to underwriting and approval opposed to automated decision-making tools.
  • Growing National Network of Approved Lenders: Our network of approved lenders includes national companies and local banks to suit your needs. Our Lenders have also been trained on the unique circumstances of Native homeownership.
  • No monthly mortgage insurance: a one-time 1.5% up front guarantee fee is paid at closing and can be financed into the loan.
  • Protection from predatory lending: Our Program monitors the fees our approved lenders can charge Native borrowers. Section 184 loans cannot be used for Adjustable Rate Mortgages (ARMs).
  • Knowledgeable Staff: Our staff understands the unique circumstances associated with lending on Native Lands and we work with borrowers to achieve home ownership and to avoid default and foreclosure.

Interested in applying for a Section 184 Home Loan? At USDA Loans Direct we will assist you every step of the way! Click here to apply today Or, if you’d prefer, simply give us a call today!

Who is Eligible for a Section 184 Loan?