All Section 184 case numbers issued on or after November 15, 2014 for the Section 184 Native American Mortgage home loan program , will be subject to an annual loan guarantee premium of 0.15 percent. This premium is in addition to the upfront 1.5% loan guarantee fee. When the unpaid principal balance of the Section 184 loan (excluding the upront loan guarnatee preimum) exceeds 78% of the lower of the intial sales price or appraised value based on the initial amortization schedule, the loan will be subject to an annual premium that will be paid monthly by the borrower(s) via their monthly PITI payment. This monthly amount would calculate to $12.50 per $100,000 borrowed by an eligible tribal member. If you would like a specific amount calculated regarding your personal scenario, click here to get started.