Manufactured Home Mortgages (Real Property)

Manufactured homes - factory-built houses permanently affixed to owned land and titled as real property - qualify for mortgages similar to site-built homes, with a smaller lender pool. FHA, conventional (Fannie/Freddie), and VA all have manufactured-home programs with specific construction-standard requirements (HUD code, post-1976 builds).

Highlights

  • Must be on owned land (not leased lot)
  • Permanently affixed and titled as real property
  • Built after June 1976 (HUD code compliant)
  • FHA: up to 96.5% LTV with 580+ FICO
  • Conventional: 97% LTV available via HomeReady/Possible
  • VA: 100% financing on qualifying VA-eligible borrowers

Who it's for

Buyers in affordable markets where manufactured housing on land is the predominant home type, first-time buyers seeking sub-$200K homeownership, and rural buyers leveraging USDA or VA for low-down-payment manufactured purchases.

Active programs that fit

Conventional Mortgage Program

confirmed 5/15/2026

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA loan programs for eligible properties.

FHA Mortgage Program

confirmed 5/17/2026

An FHA-insured mortgage program providing up to 3.5% in down payment assistance via a second mortgage, designed for purchase transactions with no first-time homebuyer requirement.

FICO 600+full-doc

Conventional Mortgage Program

confirmed 5/20/2026

Freddie Mac cash-out refinance program now offering 30-year terms for manufactured homes and allowing for the payoff of automobile leases to exclude them from DTI calculations.

full-doc

VA Mortgage Program

confirmed 5/15/2026

VA mortgage program offering competitive pricing for eligible veterans and military personnel.

FICO 580+

Conventional Mortgage Program

confirmed 5/18/2026

A down payment and closing cost assistance program for Freddie Mac Home Possible or Home One mortgages, offering up to $1,500 in non-repayable assistance based on income and property location.

FHA Mortgage Program

confirmed 5/17/2026

FHA 203K renovation loans for 1-4 unit properties, including manufactured homes and PUDs, available in both Limited and Standard options.

FICO 580+full-doc

FHA Mortgage Program

confirmed 5/11/2026

FHA purchase loan program for primary residences with flexible credit requirements and options for manual underwriting.

FICO 550+LTV up to 96.5%full-doc

Conventional Mortgage Program

confirmed 5/10/2026

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA programs for properties meeting specific HUD and foundation requirements.

ITIN Mortgage Program

confirmed 5/10/2026

A flexible non-QM and DSCR program supporting ITIN borrowers, foreign nationals, and offering cash-out options for manufactured homes with no seasoning requirements.

Specialized Mortgage Program

confirmed 5/10/2026

Financing for manufactured homes built after June 15, 1976. This program does not offer cash-out or equity options.

FICO 600+

Specialized Mortgage Program

confirmed 5/29/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

Frequently asked questions

Can I get a mortgage on a manufactured home?

Yes, when the unit is on owned land, permanently affixed, and titled as real property. Personal-property / chattel-titled manufactured homes require a different financing product (chattel loan, typically higher rate).

What's the minimum down payment on a manufactured home?

FHA: 3.5% down with 580+ FICO. Conventional: 3-5% down on owner-occupied. VA: 0% down for qualifying veterans.

Can I get a USDA loan on a manufactured home?

Yes, in USDA-eligible rural areas. The home must meet USDA construction standards and be new (some programs accept used homes meeting age requirements).

Want to see if you qualify?

Get an instant rate from hundreds of lenders, no signup required.

Today's mortgage rates

Conventional

5.875%

5.906% APR

FHA

5.375%

5.405% APR

VA

5.375%

5.402% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.