FHA Loans for Manufactured Homes
3.5% Down Payment Available
Easier qualification with credit scores from 580 • Government-backed financing • Available for homes on owned or leased land
Why FHA is Perfect for Manufactured Home Buyers
FHA (Federal Housing Administration) manufactured home loans are government-backed financing options that make homeownership more accessible with lower down payments and more flexible credit requirements.
Two Types Available
Title I (home only) and Title II (home + land) to fit your situation
Government Insurance
Federal backing means better terms and lender confidence
First-Time Buyer Friendly
Lower credit scores and down payments accepted
2025 FHA Loan Information
FHA Qualification Requirements
Credit Requirements
- 580+ credit score = 3.5% down payment
- 500-579 credit score = 10% down payment
- Bankruptcy/foreclosure waiting periods apply
- DTI ratios up to 43% standard (57% with compensating factors)
Home Requirements
- Built after June 14, 1976 (HUD Code requirement)
- HUD certification label and data plate required
- Minimum 400 square feet
- Must be primary residence only
- New homes require one-year manufacturer warranty
Property Requirements
- Engineer foundation certificate required
- Proper anchoring and skirting
- All utilities properly connected
- Must meet local building codes
- For leased land: minimum 3-year lease required
FHA Title I vs Title II Comparison
| Feature | Title I | Title II |
|---|---|---|
| What's Financed | Home only | Home + Land |
| Maximum Loan | $92,904 (home+lot maximum) | $524,225 - $563,500 (Arizona 2025) |
| Down Payment | 5% minimum | 3.5% minimum |
| Loan Term | 20 years maximum | 30 years maximum |
| Interest Rate | Higher (7-11% typical) | Competitive (6.75-8.5% typical) |
| Foundation | Not required | Permanent required |
| Land Ownership | Can be leased | Must be owned |
| Property Type | Personal property | Real property |
Which FHA Program is Right for You?
Choose Title I if you're placing your home on leased land or in a manufactured home community.Choose Title II if you own land and want the best rates and longest terms.
Get Personalized RecommendationFHA Loan Process for Manufactured Homes
Pre-Qualification
Day 1-3
Credit check, income verification, and calculate buying power
Home Selection
Week 1-2
Choose FHA-approved manufacturer, select model meeting FHA standards
Loan Application
Week 2-3
Submit full documentation, order appraisal, begin title work
Underwriting
Week 3-5
Loan processing, clear conditions, receive final approval
Construction/Installation
Month 2-4
Site prep, foundation inspection, home delivery and setup
Final Inspection & Closing
Month 4-5
FHA foundation certification, final inspection, closing, move in!
Total Timeline: 4-5 Months
From application to move-in ready. We coordinate every step to keep your project on schedule.
FHA Costs & Fees Example
$150,000 Manufactured Home FHA Loan
Note: Upfront MIP can be financed into the loan
FHA Advantages for Manufactured Homes
Frequently Asked Questions
What credit score do I need for an FHA manufactured home loan?
You need a minimum 580 credit score for 3.5% down payment, or 500-579 credit score with 10% down payment.
Can I use FHA for a manufactured home on leased land?
Yes, with FHA Title I loans you can finance a home on leased land, but you need at least a 3-year lease term.
What's the difference between FHA Title I and Title II?
Title I finances the home only (can be on leased land), while Title II finances home + land together with better rates and terms.
Can I get an FHA loan for a used manufactured home?
Yes, as long as the home was built after June 15, 1976, has HUD certification, and meets FHA property requirements.
Do I need a permanent foundation for FHA?
Only for FHA Title II loans. Title I loans don't require permanent foundations but have higher rates and lower loan limits.
How much will my FHA mortgage insurance cost?
Upfront MIP is 1.75% of loan amount (can be financed), plus annual MIP of 0.45-1.05% depending on loan terms.
Ready to Get Started with FHA Financing?
Let R.J. guide you through the FHA loan process and find the perfect manufactured home