VA Loans for Manufactured Homes
$0 Down for Qualified Veterans
100% financing available • No PMI required • Competitive rates for veterans, active duty, and eligible spouses
VA Loan Benefits for Manufactured Homes
VA loans offer exceptional benefits for qualified veterans purchasing manufactured homes. With $0 down payment and no private mortgage insurance, VA financing can save you thousands compared to other loan programs.
$0 Down Payment
100% financing available for qualified veterans
No PMI Required
Save hundreds per month with no private mortgage insurance
Competitive Interest Rates
Government backing typically means lower rates
Reusable Benefit
Use your VA loan benefit multiple times
Thank You for Your Service
This benefit is our nation's way of saying thank you for your military service. You've earned these advantages through your dedication to our country.
VA vs. Other Loans
*Based on $150,000 loan amount
Who Qualifies for VA Manufactured Home Loans?
Active Duty
90+ days during wartime, 181+ days during peacetime
Veterans
Honorable discharge, meet service requirements
National Guard/Reserves
6+ years of service, or 90+ days active duty
Surviving Spouses
Unremarried surviving spouse of eligible veteran
How to Get Your Certificate of Eligibility (COE)
Online Application
Apply through VA.gov with your DD-214
Lender Request
Your lender can request it for you
Mail Application
Send Form 26-1880 with documents
VA Manufactured Home Requirements
Property Requirements
- Double-wide minimum (most lenders require)
- Permanent foundation mandatory
- Must be classified as real property
- Minimum 600 square feet
- Built after June 15, 1976
- Must be affixed to owned land
- Meet VA MPRs (Minimum Property Requirements)
Borrower Requirements
- Valid Certificate of Eligibility (COE)
- Sufficient income to support mortgage
- Acceptable credit (typically 620+ by lenders)
- Primary residence only
- DTI under 41% (with exceptions possible)
- Proof of military service
Important Note About Foundation Requirements
VA loans require manufactured homes to be on permanent foundations and classified as real property. This is different from chattel loans and provides better long-term value and financing terms.
VA Funding Fee Structure
| Veteran Type | Down Payment | First Use | Subsequent Use |
|---|---|---|---|
| Manufactured Home Purchase | Any Amount | 1.0% | 1.0% |
| IRRRL Refinance | N/A | 0.5% | 0.5% |
| Guard/Reserve Manufactured | Any Amount | 1.0% | 1.0% |
| Disabled Veteran | Any | 0% | 0% |
Good News for Disabled Veterans!
Veterans with a service-connected disability rating of 10% or higher are exempt from the VA funding fee completely, saving thousands at closing.
Funding Fee Can Be Financed
The VA funding fee can be rolled into your loan amount, so you don't need to pay it upfront. This helps preserve your cash for other expenses.
VA vs. FHA vs. Conventional Comparison
| Feature | VA Loan | FHA Loan | Conventional |
|---|---|---|---|
| Down Payment | $0 down available | 3.5% minimum | 5% minimum |
| Credit Score Min | No VA minimum (lenders ~620) | 580 minimum | 620+ required |
| Mortgage Insurance | No PMI (funding fee only) | MIP required | PMI if <20% down |
| Interest Rates | Very competitive | Government rates | Market rates |
| Loan Limits | No VA limit | County FHA limits | Conforming limits |
| Assumability | Yes (to qualified veterans) | Yes (with qualification) | Rarely |
VA Construction-to-Permanent Program
How It Works for Manufactured Homes
The Process
Perfect for Veterans Building on Their Own Land
If you own land or are buying land, the VA construction-to-permanent loan lets you finance the land purchase, site preparation, and home construction all in one loan with one closing. You'll make interest-only payments during construction, then convert to a standard VA mortgage.
Ready to Use Your VA Home Loan Benefit?
Let R.J. help you navigate the VA loan process and find the perfect manufactured home
Thank you for your service. You've earned these benefits.