Section 184 Native American Home Mortgage Loan Calculator
Home Loans for the Native American Community
184 Loans is dedicated to providing home loans to the Native American/American Indian community. If you are presently associated with any of the federally recognized tribes and looking to obtain a home loan, you may be eligible for the section 184 Indian home loan which offers more security and benefits, as well as a lower down payment.
Skip to our Section 184 Loan Calculator below.
Section 184 Benefits
We will offer insights, education, and guidance to our Native American clients who are interested in receiving the benefits of our Section 184 Native American Home Loans.
Some benefits include:
- Lower down payment- we can offer this because Section 184 mortgages are backed by the Office of Native American Programs. If you need a loan over $50,000, your down payment is 2.25% and if your loan is under $50,000, your down payment is 1.25%.
- Lower interest rates- good or bad credit, your interest rates will never go over market interest rates, meaning your dream of owning a home isn’t over if you don’t have a high credit rating.
- Guidance and education- we are here to help you get into a home loan that works for your financial goals and lifestyle, our team will talk you through a loan that meets your needs and will be here for you well after you close on your home.
Our Section 184 Native American Loan Calculator
This calculator will show you the amortization schedule and breakdown of your payments made towards a home loan. These calculations are estimates only and do not constitute an offer to finance your loan. There is no warranty for the accuracy of the results or the relationship to your personal financial situation.
Use our Section 184 Indian home loan calculator to get an idea of what you can spend on a home and how much your home loan payments will be.

Additional Resources

Loan Programs
- Conventional loans
- Monthly Private Mortgage Insurance (PMI) low down payment option
- Lender Paid Mortgage Insurance (LPMI) – low down payment option
- Fixed Mortgage
- Adjustable Rate Mortgage (ARM)
- FHA Loans
- Veteran's Affairs (VA) Loans
- Vacation / Second Home Mortgage
- Jumbo Loans
- Reverse Mortgages
- USDA Loans