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(Section 184A)

What is the Section 184A Native Hawaiian Housing Loan Guarantee Program?

The Hawaiian Homelands Homeownership Act of 2000 adds a new Section 184A to the Housing and Community Development Act of 1992 which authorized the Native Hawaiian Housing Loan Guarantee Program. The regulations for Section 184A was published as an Interim Rule on June 13, 2002, and are found at 24 CFR part 1007. The program is designed to offer home ownership, property rehabilitation, and new construction opportunities for eligible Native Hawaiian individuals and families wanting to own a home on Hawaiian home lands.

The purpose of the Section 184A loan is to provide access to sources of private financing on Hawaiian home lands. Section 184A permits HUD to guarantee 100% of the unpaid principal and interest due on an eligible loan. The use of the Section 184A Loan Guarantee Program is limited to owner-occupant single family dwellings located on Hawaiian home lands.

NEW! Section 184A Program Open for Fiscal Year 2022

On August 17, 2021, ONAP issued Dear Lender Letter 2021-08, which informed Lenders and other stakeholders that Section 184A Native Hawaiian Home Loan (Section 184A) program would begin the Fiscal Year FY 2021 financial closeout on September 22, 2021. 

The FY 2021 closeout process is now complete. We are pleased to announce that as of today, October 14, 2021, ONAP reopened the Section 184A program and is processing requests for case numbers, cohort numbers, and loan guarantee certificates. Any requests received during the closeout period will be prioritized by the date of request – with the oldest request being processed first.

The Section 184A program brings the dream of homeownership to Native Hawaiian families living on Hawaiian Homelands.  We look forward to seeing all the good this program will do this year.

Dear Lender Letter 2021-11Extension of COVID-19 Forbearance for the Section 184 Indian Home  Loan Guarantee (Section 184) and Section 184A Native Hawaiian Home Loan Guarantee (Section 184A) programs.

 Access All Dear Lender Letters 


ONAP Catalyst LogoONAP Catalyst

ONAP Catalyst is a new cloud-based platform that will build trust and efficiency through reliable and accurate data, facilitating a modern system for participating Section 184/184A direct guarantee lenders and servicers. Access the ONAP Catalyst resource page.

Lender Forms

User Access Catalyst User Form (MS-Excel) (June 23, 2020)
Model Document Section 184A Servicing Report Model (June 2020)
HUD-50110-A Section 184A Warranty of Completion of Construction Form (09/2018)
HUD-50111-A Section 184A Addendum to Uniform Residential Loan Application (09/2018)
HUD-50112-A Section 184A Construction Loan Rider (09/2018)
HUD-50118-A Mortgagee's Assurance of Completion - Section 184A Loan (09/2018)
HUD-50119-A Section 184A Post Endorsement Submission Checklist (09/2018)
HUD-50124-A Section 184A Homebuyer Notice Form (09/2018)
HUD-50125-A Single Close 184A Applicant Acknowledgement (09/2018)
HUD-50127-A Section 184A Native Hawaiian Loan Guarantee Program Endorsement Submission Checklist-Acquisition and Single Close New Const/Rehab 09/2018)
HUD-50128-A Section 184A Endorsement Submission Checklist-Refinance (09/2018)
HUD-50131-A HUD ONAP: Section 184A Loan Guarantee Program Case Number Request Form (09/2019)
HUD-50132-A Section 184A Combined Mortgage Credit Analysis Worksheet (xlsx) (07/2018)
HUD-50143-A Section 184A Loan Firm Commitment (09/2018)
HUD-50149-A Rider For Section 184A Mortgage - Leasehold (09/2018)


Contact Us

For more information on the Section 184A Native Hawaiian Housing Loan Guarantee Program, please contact a Native Hawaiian Program Specialist, in the HUD Honolulu Field Office by clicking the following links:

Claudine Allen or by phone at (808) 457-4674

Diana Houston or by phone at (808) 457-4682

U.S. Department of Housing and Urban Development
1132 Bishop Street, Suite 1400
Honolulu, HI 96813