can you get a usda loan for a mobile home

When it comes to financing a mobile home, many borrowers wonder if they can qualify for a USDA loan. The United States Department of Agriculture (USDA) offers home loans for eligible rural and suburban residents, but does it include mobile homes? Let’s explore the possibilities.

USDA Loan Basics

Before delving into the specifics of USDA loans for mobile homes, let’s start by understanding the basics of these loans.

USDA loans are mortgages backed by the USDA Rural Development. Designed to help low-to-moderate-income borrowers achieve homeownership, these loans offer attractive features such as low interest rates, no down payment requirement, and flexible credit requirements. However, USDA loans come with a few requirements, including the property’s location and its eligibility for USDA financing.

Eligibility Requirements for USDA Loans

To qualify for a USDA loan, borrowers need to meet certain eligibility criteria. These requirements include:

  • Stable and dependable income
  • U.S. citizenship or permanent residency
  • Appropriate credit score and history
  • Ability to repay the loan

It’s important to note that the USDA loan program is primarily designed for single-family detached homes that meet specific standards. So, how does this apply to mobile homes?

USDA Loans and Mobile Homes

While USDA loans are typically used to finance traditional single-family homes, USDA guidelines do allow for the financing of certain types of manufactured or mobile homes. However, there are a few key requirements that must be met:

  1. The mobile home must be classified as real estate: To qualify for a USDA loan, the mobile home must be permanently affixed to a foundation, meet local building codes, and be classified as real estate rather than personal property.
  2. The mobile home must be new: USDA loans do not finance used or previously occupied mobile homes. Only new mobile homes that meet the required specifications will be considered for financing.
  3. The mobile home must meet HUD guidelines: The home must meet the building requirements established by the Department of Housing and Urban Development (HUD) in order to be eligible for USDA financing.

It’s crucial to note that individual lenders may have additional requirements or restrictions when it comes to offering USDA loans for mobile homes. Therefore, it’s always a good idea to reach out to lenders who specialize in these types of loans to get accurate and up-to-date information.

The Benefits of USDA Loans for Mobile Homes

Despite the specific requirements, obtaining a USDA loan for a mobile home can offer several advantages:

  • No down payment requirement: Like all USDA loans, mobile home loans also do not require a down payment, allowing borrowers to finance the entire purchase price.
  • Competitive interest rates: USDA loans typically offer competitive interest rates, making homeownership more affordable.
  • Potential for financing additional costs: In some cases, borrowers may be able to include the costs of site preparation, transportation, installation, and even landscaping within the loan amount.


While USDA loans are primarily geared towards traditional single-family homes, financing options for mobile homes do exist. Meeting specific requirements such as permanent affixation, new construction, and adherence to HUD guidelines can make a mobile home eligible for USDA financing. As always, it is essential for borrowers to consult with knowledgeable lenders to determine their eligibility and explore the financing options available to them.