Manufactured homes on land you own can be financed with FHA, VA, USDA and conventional mortgages when they meet program requirements. For FHA, the home must be built after June 15, 1976, carry a HUD certification label, have at least 400 square feet, sit on a permanent foundation and be classified as real property. Requirements vary by program and lender.
FHA manufactured home requirements
- Built after June 15, 1976, with HUD certification labels on each section
- At least 400 square feet of floor space
- Permanent foundation meeting HUD guidelines, typically documented by an engineer's certification
- Classified and taxed as real property, not personal property
Washington notes
Manufactured homes on acreage are common in Central, Eastern and Southwest Washington, and many of those addresses are USDA-eligible for 0% down. A broker matters here because lender overlays on manufactured homes, such as age limits and acreage caps, vary widely.
Common questions
Can I get an FHA loan on a manufactured home?
Yes, if it was built after June 15, 1976, has HUD labels, is at least 400 square feet, sits on a permanent foundation and is titled as real property.
Can I finance a manufactured home in a park on leased land?
Mortgage programs generally require the home and land to be real property. Homes on leased lots are usually financed with chattel (personal property) loans instead.

