Manufactured Home Loan Programs
Great news! It keeps getting easier and easier to finance manufactured homes. Here are four possible ways to finance manufactured homes!
The basic programs that will work for manufactured homes are:
- FHA – 3.5% down
- FHA 203k Renovation – 3.5% down
- VA – 0 Down
- Conventional – 5% down
- Rural Development – 0 Down
- MSHDA Down Payment assistance available
Some other things that are a little different with manufactured homes:
- Options for Singlewides and Doublewides
- Structural inspection needed
- Must be on Permanent foundation
- Affidavit of affixture required
- Manufactured home can not have been moved from another location
- For most programs they must be built after 6/1976. For Rural Development after 1/1/2006.
Generally looking for a 620 score or higher, a small savings, good rental history, etc…
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It’s natural to feel a sense of turbulence when facing shifting 2026 interest rates or the fear of hidden fees grounding your dreams. We agree that the path to homeownership should feel like a controlled, engineered process rather than a high-stakes gamble. This guide will show you how a local expert provides the necessary lift by accessing specialized programs like MSHDA down payment assistance or navigating the new $832,750 conventional loan limits. We will preview the essential technical mechanics of the current Kalamazoo market and map out a stress-free journey from your initial pre-approval to the final landing at the closing table.