Manufactured home loans

What is a manufactured home mortgage?

A manufactured home mortgage finances an eligible factory-built home as real estate. The home’s construction, foundation, land ownership, and title matter alongside your income and credit. Modular homes follow different property classifications.

Who may qualify?

Buyers and homeowners may have conventional or government-backed options when both the property and borrower meet the selected program’s requirements. Availability varies by lender, state, property type, and transaction.

• Credit, documented income, debts, available funds, and occupancy plans.
• HUD certification labels or data plate, property age, foundation, and installation.
• Real-estate title and the relationship between the home and land.
• Appraisal, condition, insurance, and any lender restrictions on home width or prior relocation.

How much down payment is needed?

There is no single down payment for all manufactured homes. It depends on the program, occupancy, credit, and property. Ask us to compare eligible low-down-payment options and confirm closing costs and reserves separately.

A home on leased land or titled as personal property may require a different financing product. Do not assume it qualifies for the same mortgage as a home secured together with its land.

Prepare before making an offer

Bring the property address, listing, construction year, land ownership details, and any available HUD label or foundation documents. We can help identify questions for the lender, appraiser, and title company before you commit.

References and related guides

• Fannie Mae: manufactured home financing ↗
• Fannie Mae: manufactured housing definitions ↗

External guidance describes specific programs or general requirements; it does not confirm availability through our team. Reviewed October 20, 2026.

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