Manufactured Home Mortgages (Real Property) in Vermont
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).
Vermont at a glance
- Major metro
- Montpelier
- 2026 conforming loan limit (1-unit)
- $832,750
- High-cost counties
- No
- Active matching programs
- 10
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.
Programs available in Vermont
Conventional Mortgage Program
confirmed 5/15/2026Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA loan programs for eligible properties.
Conventional Mortgage Program
confirmed 5/20/2026Freddie 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.
VA Mortgage Program
confirmed 5/15/2026VA mortgage program offering competitive pricing for eligible veterans and military personnel.
Conventional Mortgage Program
confirmed 5/18/2026A 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 5/17/2026FHA 203K renovation loans for 1-4 unit properties, including manufactured homes and PUDs, available in both Limited and Standard options.
FHA Mortgage Program
confirmed 5/11/2026FHA purchase loan program for primary residences with flexible credit requirements and options for manual underwriting.
Conventional Mortgage Program
confirmed 5/10/2026Financing 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 5/10/2026A 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 5/10/2026Financing for manufactured homes built after June 15, 1976. This program does not offer cash-out or equity options.
Specialized Mortgage Program
confirmed 5/29/2026Hard 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).
Get a rate for Vermont
Pricing for Montpelier and the rest of Vermont. No personal information required.
Get instant pricingToday'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.