HUD ups fees on Native home loans for self-sufficiency
Published Date: 9/28/2026
Notice
Summary
Starting October 1, 2026, the Section 184 Indian Housing Loan Guarantee Program is raising its upfront loan guarantee fee to help keep the program strong and self-sustaining. New loans and refinances will see the fee go from 1.00% to 1.50%, while the Skilled Workers Demonstration Program fee jumps from 0% to 1.00%. This change affects Indian families, tribes, and housing authorities using the program to buy or fix homes.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 2 costs, 0 mixed.
Section 184 upfront fee rises to 1.50%
If you receive a new Section 184 Firm Commitment (including a refinance) on or after October 1, 2026, the HUD upfront loan guarantee fee increases from 1.00% to 1.50% of the loan principal. This means you will pay an extra 0.50% of the loan amount at origination compared to the prior fee level.
Skilled Workers fee introduced at 1.00%
If you get a Section 184 Skilled Workers Demonstration Program Firm Commitment on or after October 1, 2026, the HUD upfront loan guarantee fee increases from 0% to 1.00% of the loan principal. You will be charged 1.00% of the loan amount at origination for those Skilled Workers demonstration loans.
Annual loan guarantee fee remains zero
HUD will keep the Annual Loan Guarantee Fee at 0% for all Section 184 loans. That means borrowers will not be charged an ongoing annual guarantee fee on the remaining guaranteed balance.
Fee change not retroactive to existing loans
The fee increases apply only to Section 184 Firm Commitments issued on or after October 1, 2026; loans already guaranteed before that date are not affected. If your loan is currently guaranteed by the program, your fee will not change because of this Notice.
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