Confirm tribal eligibility
Individual borrowers generally must be enrolled members of a federally recognized tribe. Enrollment documentation is required during the loan process.
Find Section 184 eligible areas across the United States
Explore states and counties approved for the Section 184 Indian Home Loan Guarantee Program. Select any state to see whether it is fully approved, approved only in certain counties, or not currently listed by HUD.
Interactive eligibility map
Select a state to view its status.
Fully approved Approved counties only Not listed as approved
Selected area Select a state
Choose from the map Click a state to see its Section 184 approval status.
Based on HUD’s Section 184 Approved Program Areas by State and County map dated April 2026. This educational map is not an eligibility determination.
How location eligibility works
A borrower and the property must both meet program requirements. Section 184 is designed for eligible American Indian and Alaska Native borrowers, tribes, and certain tribal housing entities. The property must also be located in a HUD-approved program area.
Check the property location
Some states are approved statewide. Other states are eligible only in the counties identified by HUD.
Verify the exact address
Before making a financing decision, have an approved Section 184 lender confirm the property’s current eligibility and applicable loan limit.
Approved program areas
State eligibility at a glance. Partially approved states contain specific eligible counties shown when you select the state on the map.
Fully approved states
Section 184 is available statewide, subject to borrower, property, lender, and loan requirements.
- Alaska
- Alabama
- Arizona
- California
- Colorado
- Florida
- Georgia
- Idaho
- Indiana
- Kansas
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Montana
- Nevada
- New Mexico
- North Carolina
- North Dakota
- New York
- Oklahoma
- Oregon
- South Carolina
- South Dakota
- Utah
- Virginia
- Washington
- Wisconsin
Approved counties only
Section 184 is available only in HUD-approved counties or parishes within these states.
- Arkansas
- Connecticut
- Iowa
- Illinois
- Louisiana
- Missouri
- Mississippi
- Nebraska
- Rhode Island
- Tennessee
- Texas
- Wyoming
Important distinction
Section 184 is not the same as standard FHA financing.
The Section 184 Indian Home Loan Guarantee Program is administered through HUD’s Office of Native American Programs. It has its own borrower eligibility, approved areas, participating lenders, underwriting guidance, guarantee fees, and county loan limits.
Eligibility questions
Section 184 location FAQs.
Can Section 184 be used outside tribal trust land?
Yes. HUD states that the program has expanded beyond tribal trust land, but the property must still be located within an approved state or county.
Is every county eligible in a partially approved state?
No. Only the counties or parishes identified on HUD’s approved program areas list are eligible. Select the state on the map to view those areas.
Does living in an approved state automatically qualify me?
No. Location is only one requirement. Borrower eligibility, tribal enrollment, property use, credit, income, assets, loan limits, and other program rules also apply.
How can I confirm a specific property address?
Contact an approved Section 184 lender before relying on the map. The lender can confirm current program-area eligibility and the county loan limit for the address.
Check a property location
Let us confirm whether an address is in a Section 184 eligible area. We can review the property location, borrower eligibility, estimated payment, applicable loan limit, and documentation needed for preapproval.