HUD Section 184 Native American Home Loan Calculator 2027
Calculate HUD Section 184 loan — 2.25% down, 1.5% upfront guarantee fee, available to enrolled tribal members. Compare with FHA and conventional for tribal/trust land 2027.
Section 184 Eligibility
Enrolled member of federally-recognized tribe OR Alaska Native village. Property can be on trust land, allotted land, or fee simple land. No income limit. No first-time-buyer requirement.
Down Payment Math
2.25% down on loans up to $50,000. 1.25% down on amount above $50,000. Example: $275,000 home = 2.25% × $50k + 1.25% × $225k = $1,125 + $2,813 = $3,938 down.
Section 184 vs FHA
Section 184 has lower down payment, no PMI (just 0.25% annual fee), accepts manufactured housing on permanent foundation, and works on trust/restricted lands which FHA cannot.
Application Process
Must use HUD-approved 184 lender (about 280 lenders nationally). BIA Approval required for trust-land loans (Title Status Report). Average closing 60-90 days for fee simple, 90-120 for trust.
Source: hud.gov/section184, bia.gov. Last updated: May 2026.
Frequently Asked Questions
Does spouse need to be tribal member?
No. Only ONE borrower needs tribal enrollment. Spouse can be non-Native and still qualify together.
Can I refinance with Section 184?
Yes. Section 184 supports rate/term refi AND cash-out refi up to 85% LTV. Streamline refi available with no appraisal.
Are there loan limits?
Yes. Section 184 follows FHA limits per county. In 2027 baseline is $498,257 to high-cost $1,149,825 in Hawaii.