Global Data Integrity Check Updates: Section 184 Upfront Loan Guarantee Fee

Sep 30, 2026

Topics: Document Updates

On September 29, 2026, the Office of Native American Programs (ONAP) issued Dear Lender Letter 2026-06 announcing an update to the Section 184 upfront loan guarantee fee. The fee increases from 1.00% to 1.50% for loans receiving a firm commitment on or after October 1, 2026.

Consequently, changes have been made to the Data Integrity Checks that apply to Section 184 loans. For purposes of these Data Integrity Checks, Conditional Commitment Issue Date (FI 51261) will be used as the Section 184 firm commitment date and will determine which set of Section 184 checks applies.

Retired Data Integrity Checks

Obsolete Section 184 Data Integrity Checks related to loans closed before July 1, 2023 have been removed.

Updated Data Integrity Checks

The two existing checks, a Warning and Error version based on system default FHA UFMIP/Annual MIP Data Integrity Check Options (FI 109898), have been updated to only trigger when Conditional Commitment Issue Date has a value before October 1, 2026. The text has been updated as follows:

"The Section 184 Indian Home Program Upfront Loan Guarantee Fee Percent should be 1.00% and the Annual Loan Guarantee Fee Percent should be 0.00% for Firm Commitments before 10/1/2026. The UFMIP rate on this loan is currently set to {UFMIP FI 748 Displayed Here}%. The MIP rate on this loan is currently set to {MIP FI 1104 Displayed Here}%."

New Data Integrity Checks

Two new checks, a Warning and Error version based on system default "FHA UFMIP/Annual MIP Data Integrity Check Options," have been added for Section 184 loans. The new checks have similar conditions to the existing checks, but trigger when:

    • Conditional Commitment Issue Date is on or after October 1, 2026, or is empty; and
    • PMI/MIP/VA Funding Financed Premium Percent (FI 748) is not 1.50%; or
    • Mortgage Insurance Premium, 1st Renewal Percent (FI 1104) is populated with a value other than 0.00%.

The message states:

"The Section 184 Indian Home Program Upfront Loan Guarantee Fee Percent should be 1.50% and the Annual Loan Guarantee Fee Percent should be 0.00% for Firm Commitments on or after 10/1/2026. The UFMIP rate on this loan is currently set to {UFMIP FI 748 Displayed Here}%. The MIP rate on this loan is currently set to {MIP FI 1104 Displayed Here}%."

Effective Date

These changes are available for testing on Stage & Stage 2 servers and will take effect on October 1, 2026. If you have any questions or concerns, please contact Client Support at 1.800.497.3584.

COM-7804
LEG-4120
T3S-30113

The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third-party should consult with an attorney prior to embarking upon any specific course of action. 
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Document Updates

The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.