FHA Loan for Manufactured Homes
The FHA Loan for Manufactured Homes is one of FHA's specialized options. Here is the plain-English rundown for 2026.
How it works
FHA's Title II program finances manufactured homes built after June 1976 on a permanent foundation and titled as real property, with the same 3.5% down as site-built homes.
Key things to know
- Minimum 3.5% down with a 580+ credit score (10% down for 500-579).
- Loan amounts are capped by your county FHA limit — $541,287 floor up to $1,249,125 in high-cost areas.
- FHA mortgage insurance applies; budget the 1.75% upfront premium plus annual MIP.
- The home must be your primary residence and meet FHA's minimum property standards.
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Frequently Asked Questions
- What is the FHA Loan for Manufactured Homes?
- FHA's Title II program finances manufactured homes built after June 1976 on a permanent foundation and titled as real property, with the same 3.5% down as site-built homes.
- What credit score and down payment are required?
- Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.