can you purchase a mobile home with a usda loan

When it comes to purchasing a mobile home, many people wonder if they can use a USDA loan for financing. The answer is yes, you can purchase a mobile home with a USDA loan. However, there are certain requirements and guidelines that you need to meet in order to qualify for this type of loan. In this article, we will explore the eligibility criteria, the advantages of using a USDA loan, and the process of buying a mobile home with this financing option.

Eligibility Criteria for USDA Loans

In order to purchase a mobile home with a USDA loan, you need to meet the following eligibility criteria:

  • The mobile home must be your primary residence.
  • The home must be located in an eligible rural area as determined by the USDA.
  • You must meet the income requirements set by the USDA. These requirements vary depending on the location and size of your household.
  • You must have a credit score of at least 640.
  • You must be able to demonstrate stable and dependable income.
  • You must be a U.S. citizen, non-citizen national, or qualified alien.

Advantages of Using a USDA Loan

There are several advantages to using a USDA loan for purchasing a mobile home:

  • No down payment is required, which can significantly reduce the upfront costs of buying a home.
  • USDA loans offer competitive interest rates, making it an affordable financing option.
  • There is no maximum loan limit, allowing you to finance a mobile home of any value.
  • USDA loans provide financing for both new and existing mobile homes.
  • The loans can be used to cover the costs of purchasing the mobile home, as well as necessary repairs and improvements.

Process of Buying a Mobile Home with a USDA Loan

Here is a step-by-step guide to buying a mobile home with a USDA loan:

  1. Check the eligibility of the mobile home and its location by using the USDA’s eligibility map.
  2. Find a USDA-approved lender who offers mobile home financing.
  3. Complete the loan application process, providing all necessary documentation such as income verification, credit history, and proof of citizenship.
  4. If you meet the eligibility criteria and are approved for the loan, the lender will provide you with a loan estimate detailing the terms and conditions of the loan.
  5. Once you find a suitable mobile home that meets the requirements, make an offer and negotiate the purchase price.
  6. Obtain a home inspection to ensure the mobile home is in good condition.
  7. Finalize the loan by signing the necessary paperwork.
  8. Close on the purchase of the mobile home and move in.

Additional Considerations

There are a few additional considerations to keep in mind when purchasing a mobile home with a USDA loan:

  • USDA loans are not available for purchasing mobile homes in mobile home parks.
  • The mobile home must meet certain HUD standards, including having a permanent foundation.
  • The loan cannot be used to purchase land alone; it must include the mobile home as well.


In conclusion, if you are looking to purchase a mobile home, a USDA loan can be a great financing option. By meeting the eligibility criteria and following the necessary steps, you can secure a loan with competitive interest rates and no down payment requirement. Make sure to do your research, find a USDA-approved lender, and carefully evaluate the mobile home’s eligibility before moving forward with the purchase. With the right preparation and guidance, you can successfully use a USDA loan to make your dream of owning a mobile home a reality.