The HUD Section 184 Upfront Fee Has Increased: What Oklahoma Buyers Should Know
HUD Section 184 financing remains an important home-loan option for eligible Native American and Alaska Native borrowers. Beginning October 1, 2026, however, one of the program’s costs changed. HUD increased the upfront loan-guarantee fee from 1% to 1.5% for new Section 184 firm commitments, including refinances. The annual loan-guarantee fee remains zero. content.govdelivery.com What is the upfront guarantee fee? The upfront guarantee fee helps support HUD’s guarantee of the loan. It is calculated as a percentage of the applicable loan amount and is generally incorporated into the loan structure rather than treated like an ordinary monthly charge. Because the fee increased by half a percentage point, buyers may see a slightly higher final loan amount and monthly payment. For illustration, a 0.5-percentage-point increase equals: $1,000 on a $200,000 base loan amount $1,250 on a $250,000 base loan amount $1,500 on a $300,000 base loan amount These examples only demonstrate the fee diffe...