Can You Buy A Manufactured Home With A Fha Loan Apr 2026

: The living area must be at least 400 square feet.

To qualify for FHA financing, the manufactured home must adhere to strict standards regarding its age and construction: can you buy a manufactured home with a fha loan

Yes, you can buy a manufactured home with an FHA loan as long as both the borrower and the property meet specific federal guidelines . The Federal Housing Administration (FHA) offers two primary programs for these homes: for land-home combinations and Title I for the home only (even on leased land). Core Property Eligibility Requirements : The living area must be at least 400 square feet

: The home must have been built on or after June 15, 1976. Homes built before this date are classified as "mobile homes" and are ineligible for FHA insurance. Core Property Eligibility Requirements : The home must

: You must intend to live in the home as your primary residence; investment properties do not qualify. Financing Manufactured Homes (Title I) - HUD

: The exterior of each section must display a red HUD Certification Label (HUD tag) proving it meets federal safety and construction standards.

: For Title II loans, the home must be permanently affixed to a foundation that meets HUD’s Permanent Foundations Guide . This typically requires removing the towing hitch, wheels, and axles.