USDA Rural Development Loans
$0 Down Available for Rural Areas
100% financing for eligible rural and suburban areas • Income limits apply • New construction only
USDA Eligible Areas in Northern Arizona
Eligible Communities We Serve
Not Sure If Your Area Qualifies?
USDA eligibility can be surprising! Many areas near cities still qualify. We can check any address in Northern Arizona for you.
Check Your Address →Why USDA Areas Are Perfect for Manufactured Homes
Larger Lots
Rural areas typically offer more space and privacy
Lower Property Values
Your dollar goes further in eligible areas
Community Feel
Small-town living with modern amenities
Investment Potential
Rural areas often see steady appreciation
USDA Income Limits for Northern Arizona
2025 Income Limits (Adjusted Annually)
Based on household size and income level
| Household Size | Moderate Income Limit | Low Income Limit |
|---|---|---|
| 1 Person | $112,450 | $78,750 |
| 2 People | $112,450 | $89,950 |
| 3 People | $112,450 | $101,200 |
| 4 People | $112,450 | $112,450 |
| 5 People | $148,450 | $121,450 |
| 6 People | $148,450 | $130,650 |
Income Calculation Tips
- • Includes all household members' income
- • Based on gross (before tax) income
- • Certain deductions may be allowed
- • Self-employed income averaged over 2 years
- • Social Security and retirement income included
What if I'm Over the Limit?
Don't give up! Income limits are updated annually and can vary by exact location. Plus, you may qualify for other loan programs like FHA or VA.
Explore Other Options →USDA Unique Requirements for Manufactured Homes
Property Requirements
- NEW manufactured homes from approved manufacturers
- UPDATE 2025: Existing homes also eligible (built after June 14, 1976)
- Minimum 400 square feet
- Permanent foundation mandatory
- Must meet HUD Code (FMHCSS standards)
- Classified as real estate for tax purposes
- Must be in USDA eligible rural area
- Property must be primary residence
- Single-section or multi-section homes accepted
Financial Benefits
- 100% financing available (land + home + site prep)
- No down payment required
- Competitive interest rates
- No prepayment penalties
- Loan terms up to 38 years
- Can include site preparation costs
- Closing costs can be financed
Important: New Construction Only
Unlike FHA and VA loans, USDA manufactured home loans are only available for new homes delivered directly from the manufacturer. This ensures quality and energy efficiency standards are met.
USDA Loan Process Step-by-Step
Check Area Eligibility
Verify your desired location is in a USDA eligible rural area
Income Verification
Confirm household income is within USDA limits for your area
Pre-Qualification
Get pre-qualified with a USDA approved lender
Select Home & Land
Choose your new home model and eligible land (or use your own)
Submit Application
Complete full USDA loan application with documentation
Construction & Closing
Build, inspect, and close on your completed home
USDA Combination Construction Loan
How It Works
The USDA combination construction loan is perfect for manufactured homes because it covers land purchase, site preparation, and home installation in one loan with one closing.
Key Benefits:
What Can Be Financed?
Why Choose USDA for Your Manufactured Home?
100% Financing
No down payment required - finance the entire project including land and site prep
Rural Focus
Designed specifically to promote homeownership in rural and suburban areas
Competitive Rates
Government backing typically means lower interest rates than conventional loans
Flexible Terms
Loan terms up to 38 years help keep monthly payments affordable
Ready to Explore USDA Financing?
Let R.J. help you determine if USDA financing is right for your rural manufactured home
Promoting homeownership in rural America since 1949