Notice2026-19782
Section 184 Indian Housing Loan Guarantee Program Increase in the Loan Guarantee Fee
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
September 28, 2026
Issuing agencies
Housing and Urban Development Department
Abstract
The Section 184 Indian Housing Loan Guarantee Program ("Section 184 Program") operates using a combination of funds annually appropriated by Congress and fees. Consistent with other HUD loan guarantee programs, to ensure that the program is self-sustaining, HUD is increasing fees charged under the program. HUD is increasing the upfront loan guarantee fee for all new Section 184 Firm Commitments, including refinances, from 1.00 to 1.50 percent, effective October 1, 2026. HUD is increasing the upfront loan guarantee fee for all new Section 184 Skilled Workers Demonstration Program Firm Commitments, from 0 to 1.00 percent, effective October 1, 2026. The Annual Loan Guarantee Fee will remain at zero for all Section 184 loans.
Full Text
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<title>Federal Register, Volume 91 Issue 186 (Monday, September 28, 2026)</title>
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[Federal Register Volume 91, Number 186 (Monday, September 28, 2026)]
[Notices]
[Pages 61245-61246]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-19782]
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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-6612-N-01]
Section 184 Indian Housing Loan Guarantee Program Increase in the
Loan Guarantee Fee
AGENCY: Office of the Assistant Secretary for Public and Indian
Housing, HUD.
ACTION: Notice.
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SUMMARY: The Section 184 Indian Housing Loan Guarantee Program
(``Section 184 Program'') operates using a combination of funds
annually appropriated by Congress and fees. Consistent with other HUD
loan guarantee programs, to ensure that the program is self-sustaining,
HUD is increasing fees charged under the program. HUD is increasing the
upfront loan guarantee fee for all new Section 184 Firm Commitments,
including refinances, from 1.00 to 1.50 percent, effective October 1,
2026. HUD is increasing the upfront loan guarantee fee for all new
Section 184 Skilled Workers Demonstration Program Firm Commitments,
from 0 to 1.00 percent, effective October 1, 2026. The Annual Loan
Guarantee Fee will remain at zero for all Section 184 loans.
DATES: October 1, 2026.
FOR FURTHER INFORMATION CONTACT: Tonya R. Plummer, Director, Office of
Loan Guarantee, Office of Native American Programs, Office of Public
and Indian Housing, Department of Housing and Urban Development, 451
7th Street SW, Room 4108, Washington, DC 20410; telephone number 202-
401-7914 (this is not a toll-free number). HUD welcomes and is prepared
to receive calls from individuals who are deaf or hard of hearing, as
well as individuals with speech or communication disabilities. To learn
more about how to make an accessible telephone call, please visit
<a href="https://www.fcc.gov/consumers/guides/">https://www.fcc.gov/consumers/guides/</a>telecommunications-relay-service-
trs.
SUPPLEMENTARY INFORMATION:
I. Background
Section 184 of the Housing and Community Development Act of 1992
(Pub. L. 102-550, approved October 28, 1992), as amended, established
the Section 184 Indian Housing Loan Guarantee Program to provide access
to sources of private mortgage financing to Indian families, Indian
housing authorities, and Indian tribes. The Section 184 program
addresses obstacles to mortgage financing on trust land and in other
Indian and Alaska Native areas by giving HUD the authority to guarantee
loans to eligible persons and entities to construct, acquire,
refinance, or rehabilitate one- to four-family dwellings in these
areas.
The Section 184 program has been funded by a combination of annual
appropriations and upfront and annual fees collected from the borrower.
Program costs include amounts for claims, contracts, and other expenses
related to foreclosure. 12 U.S.C. 1715z-13a(d) and 24 CFR 1005.603
authorize HUD to establish an upfront loan guarantee fee in an amount
not exceeding 3.00 percent of the principal obligation of the loan and
an annual loan guarantee fee in an amount not exceeding 1.00 percent of
the remaining guaranteed balance.
On March 5, 2014, HUD issued a Notice increasing the upfront loan
guarantee fee from 1.00 to 1.50 percent. (79 FR 12520). The upfront
loan guarantee fee was effective on April 4, 2014.
On October 7, 2014, HUD issued a Notice to implement an annual loan
guarantee fee to the borrower in the amount of 0.15 percent. (79 FR
60492). The revised annual loan guarantee fee was effective on November
15, 2014.
On November 1, 2016, HUD issued a second Notice increasing the
annual loan guarantee fee from 0.15 to 0.25 percent. (81 FR 75836). The
revised annual loan guarantee fee was effective on December 1, 2016.
On May 4, 2023, HUD issued a Notice decreasing the upfront loan
guarantee fee from 1.50 to 1.00 percent and eliminating the annual fee
effective July 1, 2023. (88 FR 28598).
The Section 184 program experiences a low default rate. Over the
life of the program, the default rate has been approximately 3.50
percent. The
[[Page 61246]]
program benefits from strong lender underwriting and servicing, as well
as Tribes continuing to proactively provide housing counseling and
support to keep Native American families in their homes.
Consistent with other HUD loan guarantee programs, the Section 184
program can operate without the need for annual appropriations from
Congress. The Section 184 program's strong performance and low default
rate enables HUD to remove the need for annual appropriations through a
modest fee increase. By increasing the upfront loan guarantee fee, HUD
will be in a strong position to ensure that the Section 184 program
continues to provide homeownership opportunities to Native American
households well into the future.
II. Increase of the Upfront Loan Guarantee Fee
This Notice increases the upfront loan guarantee fee from 1.00 to
1.50 percent. This increase will apply to all Section 184 program loans
receiving a Section 184 Firm Commitment on and after October 1, 2026,
including refinances. Additionally, this Notice increases the upfront
loan guarantee fee from 0 to 1.00 percent for all new Section 184
Skilled Workers Demonstration Program Firm Commitments issued on and
after October 1, 2026.
This increase will not apply to loans currently guaranteed by this
program. It will only apply to new Firm Commitments issued by HUD on
and after October 1, 2026.
Annual loan guarantee fees will remain at zero for all Section 184
loans.
III. Environmental Impact
This Notice involves the establishment of a rate or cost
determination that does not constitute a development decision affecting
the physical condition of specific project areas or building sites.
Accordingly, under 24 CFR 50.19(c)(6), this Notice is categorically
excluded from environmental review under the National Environmental
Policy Act of 1969 (42 U.S.C. 4321).
Benjamin Hobbs,
Assistant Secretary for Public and Indian Housing.
[FR Doc. 2026-19782 Filed 9-25-26; 8:45 am]
BILLING CODE 4210-67-P
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</html>Indexed from Federal Register on September 28, 2026.
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