HUD 184 Loans in Arizona for Native American Homebuyers
A low down payment. No monthly mortgage insurance. Financing available on and off reservation land.
HUD Section 184 loans give eligible American Indian and Alaska Native borrowers another way to buy a home. Modern Home Lending offers Section 184 financing for properties in Arizona and can help you compare the program with your other mortgage options.
(No SSN or Credit Check Required for Estimate)
What is a HUD 184 loan?
A HUD 184 loan is a mortgage guaranteed through the U.S. Department of Housing and Urban Development’s Section 184 Indian Home Loan Guarantee Program. It helps eligible American Indian and Alaska Native borrowers purchase, build, renovate, or refinance a home.
You apply through a participating mortgage provider. HUD guarantees the loan, while the lender provides the financing.
The program can finance eligible homes on tribal land and privately owned land in approved areas. You do not have to live on a reservation.
Why consider a Section 184 loan?
Section 184 combines several features that can make homeownership more affordable:
- Low down payment: Generally 2.25% for loans over $50,000. HUD lists a lower requirement for smaller loans.
- No monthly mortgage insurance: New Section 184 loans currently have no annual loan guarantee fee.
- Fixed interest rate: The program offers fixed-rate financing with terms up to 30 years.
- Individual review: Manual underwriting allows an underwriter to evaluate your financial history and documentation.
- Flexible location options: Eligible properties can be on or off Native lands.
Programs, rates, and terms are subject to change without notice. This is not a commitment to lend. All loans are subject to credit approval and program guidelines.
See your Arizona HUD 184 numbers
We will show you the down payment and upfront fee for your price range.
Who qualifies for a HUD 184 loan?
For individual homebuyers, a key requirement is documented membership in a federally recognized tribe. Your lender will verify your eligibility and review your income, debts, credit history, and available funds.
The home must also qualify. It needs to be in an approved program area, meet applicable property requirements, and serve as your primary residence.
Tribal eligibility is the starting point. Mortgage approval still depends on your ability to repay the loan and the property you want to finance.
Does HUD 184 have mortgage insurance or a guarantee fee?
New Section 184 loans carry a 1.5% upfront loan guarantee fee and no annual loan guarantee fee. The upfront fee can generally be financed into the mortgage.
That means you can avoid an ongoing monthly mortgage insurance charge while making a small down payment. You still need to budget for closing costs, property taxes, homeowners insurance, and any applicable HOA dues.
The annual fee was eliminated July 1, 2023, and older Section 184 loans did not automatically receive that reduction.
Fee update: the upfront fee goes up to 1.5% on October 1, 2026
HUD is raising the Section 184 upfront loan guarantee fee from 1% to 1.5% for loans that receive HUD approval (a firm commitment) on or after October 1, 2026, including refinances. Loans HUD has already approved keep their current fee, and there is still no annual fee.
Compare Section 184 with FHA and conventional
We will price the same Arizona home each way so you can see the difference in payment and cash to close.
Where does Modern Home Lending offer HUD 184 loans?
Modern Home Lending currently offers HUD Section 184 loans only for properties in Arizona.
We can help eligible buyers explore financing in Phoenix, Scottsdale, Chandler, Gilbert, Mesa, Tucson, and other Arizona communities. Your home does not need to be near your tribe’s reservation.
We will review the property’s location and land status along with the participating lender’s requirements.
What states is the HUD 184 program available in?
The Section 184 program extends beyond Arizona through participating lenders in other states. HUD currently lists the following coverage:
Available statewide: Alaska, Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Indiana, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nevada, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Utah, Virginia, Washington, and Wisconsin.
Available in approved counties only: Arkansas, Connecticut, Illinois, Iowa, Louisiana, Mississippi, Missouri, Nebraska, Rhode Island, Tennessee, Texas, and Wyoming.
Statewide approval does not guarantee that every property qualifies. For states with partial coverage, the specific county must be approved. Modern Home Lending’s Section 184 offering is limited to Arizona.
What are the HUD 184 loan limits in Arizona?
Section 184 loan limits depend on the county and number of units. Here are examples from HUD’s 2026 schedule:
| Arizona location | 2026 one-unit loan limit |
|---|---|
| Maricopa County | $557,750 |
| Pinal County | $557,750 |
| Pima County | $541,287 |
| Apache, Cochise, Gila, Graham, Greenlee, La Paz, Mohave, Navajo, Santa Cruz, Yavapai, and Yuma counties | $541,287 |
These are loan limits, not purchase-price limits. Your down payment and qualification determine how they apply to your purchase. We will confirm the current limit for your property before you move forward.
Already have an Arizona home in mind?
Send us the address or the area you are shopping and we will check it before you make an offer.
HUD 184 loan FAQs
Do I have to be a first-time homebuyer?
No. Section 184 is available to eligible first-time and repeat buyers. You still need to meet the program’s occupancy, financial, and property requirements.
What credit score do I need?
HUD’s Section 184 guidelines do not establish a minimum credit score, but participating lenders may impose their own minimums. Your payment history and overall creditworthiness still matter.
Is there an income limit?
Section 184 does not have a program-wide maximum income limit. You do need enough documented, qualifying income to support the mortgage and your other debts.
Can I refinance with a Section 184 loan?
Yes. The program includes no-cash-out, cash-out, and streamline refinance options. Each has its own requirements, and streamline refinancing is for an existing Section 184 loan. Modern Home Lending’s Section 184 refinance options are limited to Arizona properties.
Can I finance a manufactured home or build a home?
HUD permits certain manufactured homes on permanent foundations, new construction, and rehabilitation projects. Availability depends on the property, project, and participating lender. Ask us to review your plans before committing to a property or construction contract.
Can I use Section 184 for a rental property?
Section 184 financing for individual borrowers is intended for a primary residence. Eligible one- to four-unit properties may qualify when you meet the occupancy requirements. A vacation home or property purchased solely as an investment does not qualify.
Compare your Arizona mortgage options with Modern Home Lending
Modern Home Lending is an independent mortgage broker based in Scottsdale. Our HUD Section 184 financing is available exclusively for Arizona properties.
We work with a network of 40+ lenders across our mortgage programs. For Section 184, we can help you review participating lender options and compare your estimated payment, closing costs, and cash needed with other available financing.
Tell us where in Arizona you want to buy and what monthly payment feels comfortable. We will help you work through the numbers.
Get a no-cost quote, book an appointment, or call (480) 598 8700.