Mobile Home Loan Calculator — FHA, Chattel, VA & Conventional Payment 2026
You found a $120,000 double-wide on its own land, built in 1982. Your lender quoted you a chattel loan at 9.5% for 15 years. Your friend says get an FHA mortgage instead at 7.5% for 30 years — lower rate, lower payment. What your friend didn’t calculate is total cost: the chattel loan at the higher rate saves $73,615 over the life of the loan because it pays off in 15 years instead of 30. The FHA mortgage costs more despite the lower rate.
This is the calculation nobody runs for you. This calculator does it across all five loan types available for mobile and manufactured homes — FHA Mortgage, Conventional, Chattel, FHA Title I, and Personal Loan — checks your eligibility for each based on land situation, home type, year built, and credit score, and shows the complete side-by-side cost comparison so you’re not guessing which product actually saves money.
A mobile home loan calculator estimates your monthly payment, total interest, and all-in housing cost for manufactured home financing — accounting for loan type eligibility, down payment, property taxes, insurance, and park fees in a single view.
Mobile Home Loan Calculator
Chattel · FHA · Conventional · All-In Cost · Conversion Break-Even · 2026 Rates
FHA Title I limit: $105,532 (single-wide)
FHA: 3.5% down · 30yr · best for low down payment
Down Payment: $0
FHA 2026: ~7.5% · Chattel: 8–13% · Personal: 10–15%
FHA min: 580 (3.5% down) · Chattel: 620+ preferred
Enter your home price and select your situation to see all-in monthly costs, loan type eligibility, Chattel vs Mortgage comparison, and break-even analysis.
What Is a Mobile Home Loan? — Types and Eligibility
Mobile and manufactured home financing is more complex than standard home loans because the loan type available depends on whether you own the land, when the home was built, its size, and your credit score. Most borrowers don’t know which loan types they qualify for before they start — the eligibility panel in this calculator shows all five simultaneously.
FHA Mortgage for Mobile Homes
An FHA-backed mortgage for a mobile home works identically to an FHA loan for a site-built home — 3.5% down payment minimum, fixed rate, 30-year term, MIP (mortgage insurance premium) required. The home must be classified as real property (permanently affixed to land you own), built after June 15, 1976 (HUD code compliance), and on a permanent foundation that meets FHA standards.
2026 FHA rate: Approximately 7.5% for qualified borrowers. MIP adds approximately 0.55%/year to your monthly cost on top of the stated rate.
FHA manufactured home loan limits 2026:
- Single-wide + land: up to $105,532 (FHA Title I program)
- Double-wide + land: up to $198,000
- Full FHA mortgage (Title II): up to county conforming limits
FHA is the best rate available for mobile home buyers who own their land and have 580+ credit. The 30-year term keeps monthly payments lower than chattel — but total interest paid over 30 years is significantly higher.
Conventional Loan for Mobile Home
Conventional financing for manufactured homes requires: the home classified as real property (land owned, permanently affixed), 680+ credit score, 10%+ down payment, and meets Fannie Mae’s MH Advantage or Freddie Mac’s CHOICEHome requirements for standard rates. Homes not meeting these standards may qualify but at higher rates and stricter LTV limits.
Conventional loans are not available for homes in mobile home parks — the land ownership requirement eliminates park-leased homes from this category. For borrowers with strong credit buying a double-wide on owned land, conventional rates can compete with or beat FHA — without FHA’s mandatory MIP.
Chattel Loan for Mobile Home
A chattel loan is a personal property loan — it treats the mobile home as a vehicle, not real estate. No land ownership required. Available regardless of whether you own land or lease a lot in a mobile home park. Minimum credit score varies by lender (some accept 575–620), though 660+ gets better rates.
The critical trade-off: Chattel rates are higher (8%–13% in 2026 versus 7.5% for FHA). But chattel terms are shorter — typically 15–20 years versus 30 years for FHA. The shorter amortization means less total interest paid, even at the higher rate. This is the counter-intuitive calculation the tool shows explicitly.
Chattel loans close faster (1–2 weeks vs 30–60 days for FHA), require less documentation, and are the only option for manufactured homes in parks. Approximately 75% of manufactured home loans are chattel loans.
FHA Title I Loan — Limits and Requirements
FHA Title I is a specific HUD program for manufactured home loans that covers homes on leased land (unlike standard FHA, which requires land ownership). Title I can also finance just the home without land. Loan limits in 2026:
Home only (no land): $69,678 maximum
Home + lot: $92,904 maximum
Lot only: $23,226 maximum
These limits are significantly lower than most purchase prices, which is why the tool’s eligibility panel flags “Exceeds FHA Title I limit” when your home price is above these thresholds. Title I is most useful for lower-cost single-wide homes and home-only financing.
Personal Loan for Mobile Home
An unsecured personal loan is always available regardless of land ownership, home age, credit score, or any other property-specific factor — the loan is based entirely on the borrower’s creditworthiness. Rates are highest (10%–29%) and terms shortest (3–7 years), making total cost significantly higher than any secured option.
Personal loans make sense for very small loan amounts (under $30,000), urgent purchases where fast funding matters, or borrowers who can’t qualify for any secured option. The tool includes personal loan in the eligibility panel as a fallback — always available, always the highest cost.
How to Use This Mobile Home Loan Calculator
Land Situation — Owns Land vs Mobile Home Park
This is the first and most important input because it determines which loan types are available. Select “I Own the Land” if you own or are purchasing the land with the home. Select “Leasing / Mobile Home Park” if the home sits on rented or leased land.
Land situation vs loan type availability:
| Loan Type | Own Land | Leasing/Park |
|---|---|---|
| FHA Mortgage (Title II) | ✅ Available | ❌ Not available |
| Conventional | ✅ Available | ❌ Not available |
| Chattel Loan | ✅ Available | ✅ Available |
| FHA Title I | ✅ Available | ✅ Available (within limits) |
| Personal Loan | ✅ Available | ✅ Available |
| VA Loan | ✅ Available | ✅ Some programs |
If you’re leasing in a park, your viable options are chattel, FHA Title I (if within limits), and personal loan. Conventional and standard FHA mortgages are unavailable without land ownership.
Home Type and 1976 HUD Code Date
Single-Wide vs Double-Wide/Multi-Section: Single-wide homes are narrower units on one chassis. Double-wide and multi-section homes are broader, typically on two or more chassis. FHA Title I loan limits are lower for homes without land — single-wide has tighter limits. For the calculator, this selection affects which FHA programs and limits apply.
Built after June 15, 1976: This is the HUD code date — the most critical eligibility gate for FHA and VA financing. On June 15, 1976, HUD implemented the Manufactured Home Construction and Safety Standards — the federal building code for manufactured homes. Homes built before this date are called “pre-HUD” and are ineligible for FHA Mortgage (Title II), VA loans, and most conventional financing.
Pre-1976 homes can only be financed through chattel loans, personal loans, or seller financing. If you’re considering a pre-1976 home, select “No — Pre-1976” and the tool will show only your available options.
Down Payment by Loan Type
The down payment slider sets your loan amount (home price minus down payment). Required minimums by loan type:
FHA Mortgage: 3.5% minimum (580+ credit)
10% minimum (500–579 credit)
Conventional: 10% minimum (680+ credit preferred)
Chattel: 5%–10% typical (lender-dependent, some allow 0%)
FHA Title I: Not required for home-only; varies for land
Personal Loan: 0% — unsecured, no property collateral
A larger down payment reduces your loan amount (and monthly payment), improves your DSCR, and may eliminate private mortgage insurance if you’re using conventional financing. For chattel loans, some specialty lenders allow zero down but at higher rates.
Interest Rate by Loan Type — 2026 Market Rates
The rate hint below the interest rate field shows the realistic 2026 range for your selected loan type:
FHA Mortgage (2026): 7.25%–8.00%
Conventional (MH): 7.50%–9.00%
Chattel Loan: 8.00%–13.00%
FHA Title I: 7.50%–9.00%
Personal Loan: 10.00%–29.00%
Chattel rates are lender-specific — 21st Mortgage, Vanderbilt Mortgage, Triad Financial Services, and credit unions each have different rate structures. Shop at least three chattel lenders before accepting a rate, as variance can be 2–3 percentage points for the same borrower profile.
Monthly Costs — Property Tax, Insurance, Park Fees
Property Tax: Enter your annual property tax. For homes on leased land in a park, enter 0 — you don’t pay real property tax on a home classified as personal property. For homes on owned land, enter your county’s estimated annual tax. The calculator divides by 12 for monthly escrow.
Homeowners Insurance: Enter your annual premium. Manufactured homes typically cost $300–$1,500/year to insure depending on age, size, location, and whether on owned or leased land.
HOA/Park Fees: Enter your monthly lot rent or HOA fees. This is often the largest hidden cost for park residents — lot rents in 2026 average $400–$700/month in most markets, with coastal and urban parks exceeding $1,000/month. Including park fees gives you your true all-in housing cost, not just the loan payment.
→ Toggle between “I Own the Land” and “Leasing/Mobile Home Park” above to see how your available loan types change instantly.
Understanding Your Results
All-In Monthly Cost vs P&I Only
The hero result shows two numbers: All-In Monthly Cost (P&I + tax + insurance + park fees) and P&I Only. The difference is your non-loan housing expenses.
Why both matter: Your lender qualifies you on P&I. Your actual budget impact is the All-In cost. A chattel loan with low P&I but $600/month park rent may cost more monthly than an FHA mortgage with no park fee. The All-In view shows your true comparative housing cost across both loan types and living situations.
Loan Type Eligibility Panel
The panel shows five loan types simultaneously with availability status based on your inputs. Each row shows:
- Available (green check) — you qualify for this program with your current inputs
- Warning (yellow) — available but with a specific limitation (e.g., exceeds Title I limit)
- Not available (red) — your land situation, home age, or credit disqualifies this type
This replaces the need to research each program separately — all eligibility is visible at once.
Chattel vs FHA Mortgage — The Counter-Intuitive Comparison
The comparison table shows the result that surprises most borrowers:
| Metric | Chattel Loan | FHA Mortgage |
|---|---|---|
| Rate | 9.5% | 7.5% |
| Term | 15 years | 30 years |
| Monthly P&I | $1,128 | $768 |
| Total Interest | $94,997 | $168,612 |
| Total Cost | $202,997 | $276,612 |
| Winner | Chattel saves $73,615 | — |
The FHA mortgage has a lower rate and lower monthly payment. It costs $73,615 more in total. This counter-intuitive result happens because the longer term — 30 years vs 15 — generates significantly more total interest even at the lower rate. The chattel loan’s higher monthly payment ends 15 years sooner.
When FHA is still the right choice: If cash flow is constrained and the $360/month lower payment is essential — or if you need to preserve that $360/month for other priorities — the FHA mortgage makes sense. Total cost optimisation is only the right metric when monthly cash flow can handle the chattel payment.
Chattel Loan for Mobile Home Calculator
What Is a Chattel Loan?
A chattel loan is a secured loan where the mobile home itself is the collateral — not the land. “Chattel” means moveable personal property. The home is titled as a vehicle (similar to a car title) rather than as real estate. This makes chattel loans available in situations where traditional mortgages aren’t — particularly mobile home parks where you don’t own the land.
Chattel loans are offered by specialty manufactured home lenders (21st Mortgage, Vanderbilt, Triad Financial), some credit unions, and a small number of banks. Most conventional banks and mortgage lenders do not offer chattel loans.
Chattel Loan Rates and Terms 2026
Rate range: 8%–13% (higher for lower credit, older homes)
Typical term: 15–20 years (shorter than FHA 30-year)
Down payment: 5%–10% typical; some lenders allow less
Min credit: 575–620 (some lenders); 660+ for competitive rates
LTV: Typically 80%–95% of appraised chattel value
The chattel value appraisal is different from a real estate appraisal — it assesses the home as personal property, not as real estate. Chattel values tend to depreciate (like vehicles) whereas real estate values typically appreciate. This affects refinancing options as the home ages.
When Chattel Wins Despite the Higher Rate
The key variables: loan amount, term difference, and whether you own the land. Chattel wins on total cost when:
The loan amount is moderate ($50,000–$150,000): At these amounts, the interest difference between a 15-year and 30-year loan is large relative to the rate advantage of FHA.
You’re in a park (FHA mortgage unavailable): The comparison is chattel vs personal loan — chattel wins at every balance above $15,000.
You plan to pay off early: Chattel’s shorter term forces faster payoff. If you’d make minimum FHA payments for 30 years, chattel saves significantly.
On $120,000 at chattel 9.5% / 15yr vs FHA 7.5% / 30yr:
Monthly payment difference: $360/month cheaper with FHA
Total interest difference: $73,615 LESS with chattel
Break-even to favour FHA: Would need to invest the $360/month
difference at 8%+ returns for 15 years
Most borrowers don’t invest the payment difference — they spend it. If the savings aren’t systematically invested, chattel’s total cost advantage is real.
FHA Loan for Mobile Home — Requirements 2026
HUD Code Date — June 15, 1976
The most common FHA disqualification for mobile homes is the build date. Any home built before June 15, 1976 is ineligible for FHA Title II financing (the standard FHA mortgage). This date is visible on the HUD certification label — a red or silver plate typically affixed to the rear of each section of the home. No HUD label = pre-HUD home = no FHA.
Pre-1976 homes are only financeable through chattel, personal loans, or seller carry-back financing.
FHA Title I vs FHA Title II for Manufactured Homes
| FHA Title I | FHA Title II (FHA Mortgage) | |
|---|---|---|
| Land required | No (can lease) | Yes (must own) |
| Loan limit (home only) | $69,678 | N/A |
| Loan limit (home + land) | $92,904 | County conforming limit |
| Foundation required | No | Yes — permanent |
| Home classification | Personal property OK | Must be real property |
| Down payment | Varies | 3.5% minimum |
| Term | Up to 20 years | Up to 30 years |
Title I is for borrowers who lease land or need lower-cost home-only financing. Title II (standard FHA mortgage) is for borrowers who own the land with a permanently affixed home. The tool’s eligibility panel distinguishes between them and flags when your purchase price exceeds Title I limits.
FHA Mobile Home Loan Requirements 2026
For FHA Title II financing (the standard FHA mortgage product for manufactured homes):
Home requirements:
- Built after June 15, 1976 (HUD code compliant)
- Permanently affixed to a foundation meeting HUD/FHA guidelines
- Classified as real property in your state (typically requires retiring the vehicle title)
- Meet FHA minimum property standards (condition, safety)
Borrower requirements:
- Credit score 580+ for 3.5% down; 500–579 for 10% down
- DTI generally under 57% with compensating factors
- Must occupy as primary residence
- FHA MIP required regardless of down payment amount
For detailed FHA payment modeling including MIP, UFMIP, and FHA vs conventional comparison, see the FHA Mortgage Calculator.
VA Loan for Mobile Home
Can You Buy a Mobile Home With a VA Loan?
Yes — VA loans are available for manufactured homes under specific conditions. VA financing for mobile homes is less common than VA home loans for site-built homes, but the benefit applies when eligible.
VA mobile home requirements:
- Veteran/service member must have sufficient entitlement
- Home must be built after June 15, 1976 (HUD code)
- Must be permanently affixed to owned land
- Must meet VA minimum property requirements (MPRs)
- Certificate of Eligibility (COE) required
VA loan mobile home — key benefit: No down payment required (within entitlement limits), no PMI, competitive rates (VA rates are typically 0.25%–0.5% below conventional for equivalent profiles).
2026 VA mobile home rates: Approximately 6.75%–8.25% depending on credit, lender, and whether home meets full VA property standards. Some lenders charge higher rates for manufactured homes versus site-built under VA programs.
VA Loan for Mobile Home and Land
VA financing can cover a manufactured home plus land purchase together, or a manufactured home on land you already own. The loan covers:
- Home purchase price + land purchase price
- Cost of permanently affixing the home to the foundation
- Site preparation costs
VA does not cover mobile homes in parks (leased land). The land must be owned by the veteran at closing. For detailed VA loan payment modeling including the VA funding fee, use the VA Mortgage Calculator.
Mobile Home Equity Loan — Who Offers Them and How They Work
Who Does Home Equity Loans on Mobile Homes?
This is one of the most searched questions in manufactured home financing — and most general mortgage guides don’t answer it. Standard home equity lenders (banks, mortgage companies) typically do not offer equity loans on manufactured homes, particularly those on leased land or titled as personal property.
Who does offer them:
- Specialty manufactured home lenders: 21st Mortgage, Vanderbilt Mortgage, Triad Financial Services offer refinance and equity products for chattel-titled homes
- Credit unions: Some federal and state credit unions offer equity loans on manufactured homes, particularly for long-standing members
- HELOC on real property manufactured home: If your home is titled as real estate (owns land, permanently affixed), some banks will extend a HELOC — treating it like a site-built home equity line
The critical distinction: chattel-titled home (personal property) versus real property classification. Real property manufactured homes qualify for standard equity products. Chattel-titled homes require specialty lenders.
Home Equity Loans for Mobile Homes in Parks
Mobile homes in parks (leased land) face the most restricted equity loan options because the home is personal property, not real estate. Options:
Title loan on mobile home: A title-secured loan using the vehicle title as collateral — similar to a car title loan. Available but high-rate and short-term. Not recommended for large equity amounts.
Cash-out chattel refinance: If you have an existing chattel loan with significant paydown, some specialty lenders offer cash-out refinances on the chattel. Available equity is limited by chattel appraised value (which may have depreciated).
Personal loan: Unsecured, no equity required — but highest rates and lowest amounts.
Recommendation: If your home is in a park and you need equity access, a personal loan through a credit union is typically the most cost-effective option for amounts under $30,000. For amounts above $30,000, verify with specialty manufactured home lenders.
Mobile Home Loans for Bad Credit
Chattel Loan as the Bad Credit Path
For borrowers with credit scores below 620 — or with recent derogatory marks that disqualify them from FHA, VA, or conventional — chattel loans from specialty lenders remain available. This is what makes chattel the most accessible manufactured home financing option:
| Loan Type | Minimum Credit (typical) | Available with Bad Credit? |
|---|---|---|
| FHA Mortgage | 580 (500 with 10% down) | Marginal |
| Conventional | 680 preferred | No |
| VA Loan | No official minimum; 620 typical | Limited |
| Chattel | 575–620 (some lenders lower) | Yes |
| FHA Title I | 500+ | Yes (within limits) |
| Personal Loan | Varies widely | Yes (highest rate) |
Chattel lenders like 21st Mortgage have explicit programs for borrowers with credit challenges, provided the home and lot situation meet their criteria.
Mobile Home Loans With 575 Credit Score
A 575 credit score eliminates most standard mortgage options but leaves chattel loans viable. At 575 credit, expect:
- Chattel rate: 11%–13% range (higher end of the spectrum)
- Down payment: 10%–20% often required
- Home restrictions: Post-1976, good condition
- Lender options: 21st Mortgage, Vanderbilt, some credit unions
Path to better rates: A 625 credit score typically drops your chattel rate by 1.5–2%. Actions that move the needle: paying down revolving balances to below 30% utilisation, resolving any collections under $1,000, and 6–12 months of on-time payment history on existing accounts.
Bad Credit Mobile Home Loans — Guaranteed Approval
“Guaranteed approval” mobile home loans are typically chattel loans or personal loans from high-rate specialty lenders — the approval is easy; the rate reflects the risk. Borrowers with severely impaired credit (below 550) may qualify for chattel at 15%+ rates through specific programs. Before accepting these terms, model the total cost carefully — a $60,000 chattel loan at 15% over 15 years costs $105,000 in total interest alone.
Mobile Home Loans With Land vs Mobile Home Park
Owning the Land — Better Loan Options, Building Equity
Owning the land where your manufactured home sits fundamentally changes your financing options and long-term financial position:
Financing advantage: Unlocks FHA Mortgage (Title II), conventional loans, VA loans, and standard HELOC/equity products. Lower rates, longer terms, lower total cost compared to chattel.
Equity advantage: Real property (home + land) typically appreciates. Chattel property (home on leased land) typically depreciates. Over 15–30 years, land ownership creates equity; park-leased mobile homes often lose value.
Cost: Land purchase adds to your upfront cost. Combined home + land loans are available through FHA, conventional, and VA programs.
Leasing in a Mobile Home Park — Trade-offs
Advantages: Lower upfront cost (no land purchase), location flexibility, community amenities, professional maintenance in many parks.
Financing disadvantages: Limited to chattel, FHA Title I, and personal loans. Higher rates. Shorter terms. Equity typically doesn’t build.
Hidden risk: Park rent increases and park closures. Lot rents typically rise faster than inflation. Park sales and redevelopment can displace residents. Many states have limited protections for park residents against closure.
If financing in a park, verify the park’s stability, lot lease length, and rent escalation terms before committing to a long-term loan on a home whose location isn’t guaranteed.
Mobile Home Loan Rates 2026
Current mobile home loan rates depend on loan type, credit score, home age, and land situation:
| Loan Type | Rate Range (2026) | Typical Term | Notes |
|---|---|---|---|
| FHA Mortgage (Title II) | 7.25%–8.00% | 30 years | Best rate, land required, post-1976 |
| Conventional (MH) | 7.50%–9.00% | 15–30 years | 680+ credit, land required |
| VA Manufactured | 6.75%–8.25% | 30 years | Veterans, land required |
| Chattel (standard) | 8.00%–11.00% | 15–20 years | Most common type |
| Chattel (challenged credit) | 11.00%–13.00% | 10–20 years | 575–619 credit range |
| FHA Title I | 7.50%–9.00% | Up to 20 years | Within program limits |
| Personal Loan | 10.00%–29.00% | 3–7 years | No collateral, all credit |
→ Enter your credit score and loan type above — the rate field updates to a realistic 2026 estimate for your profile.
Frequently Asked Questions
Can you get a home loan for a mobile home?
Yes — manufactured homes can be financed through FHA mortgages (if you own the land and the home was built after 1976), conventional loans, VA loans (for veterans), chattel loans (for homes on owned or leased land), FHA Title I, and personal loans. The available loan type depends on your land situation, the home’s age and classification, and your credit score. This calculator checks all five types simultaneously based on your inputs.
What is a chattel loan for a mobile home?
A chattel loan treats the mobile home as personal property — the home serves as collateral but the land does not. It’s available whether you own the land or lease in a park, typically closes faster than mortgage products, and accepts lower credit scores than FHA. Rates are higher (8%–13%) but terms are shorter (15–20 years), which often means less total interest than a 30-year FHA mortgage on the same loan amount.
Can you get a VA loan on a mobile home?
Yes. VA loans are available for manufactured homes built after June 15, 1976, permanently affixed to land the veteran owns, and meeting VA Minimum Property Requirements. No down payment is required. VA rates for manufactured homes typically run 6.75%–8.25% in 2026. VA loans are not available for homes in mobile home parks (leased land). For detailed VA payment modeling, see the VA Mortgage Calculator.
Can you buy a mobile home with an FHA loan?
Yes — with conditions. FHA Title II (standard FHA mortgage) requires: home built after June 15, 1976, permanently affixed to owned land, real property classification, and FHA foundation standards met. FHA Title I allows financing homes on leased land within loan limits ($69,678 for home only, $92,904 for home + lot in 2026). For complete FHA payment analysis including MIP, see the FHA Mortgage Calculator.
What credit score is needed for a mobile home loan?
FHA Mortgage: 580 minimum for 3.5% down, 500 for 10% down. Conventional: 680 preferred. VA: no official minimum, 620 typical. Chattel: 575–620 depending on lender — the most accessible option for borrowers with challenged credit. Personal loan: varies by lender but available down to 550+. The eligibility panel in this calculator flags which loan types are available at your credit score.
What is the difference between mobile home loans with and without land?
With land (real property): FHA Mortgage, conventional, and VA loans are available — offering the lowest rates, longest terms, and equity-building potential. Without land (chattel or park-leased): limited to chattel, FHA Title I, and personal loans — higher rates, shorter terms, limited equity. Land ownership fundamentally changes your financing options and long-term financial position for a manufactured home purchase.
Who offers home equity loans on mobile homes?
Standard banks and mortgage lenders rarely offer equity loans on manufactured homes, especially those on leased land. Options: specialty manufactured home lenders (21st Mortgage, Vanderbilt, Triad Financial) for chattel refinances; credit unions for members with real-property classified homes; standard HELOC lenders for permanently affixed homes on owned land titled as real estate. Homes in parks on leased land have the fewest equity loan options.
What are current mobile home loan rates in 2026?
FHA Mortgage: 7.25%–8.00%. Conventional manufactured home: 7.50%–9.00%. VA: 6.75%–8.25%. Chattel (standard credit): 8.00%–11.00%. Chattel (challenged credit): 11.00%–13.00%. Personal loan: 10.00%–29.00%. Rates vary significantly by lender, credit score, home age, and land situation. The rate hint in the calculator shows the realistic 2026 range for your selected loan type.
Data source:
HUD Manufactured Housing Program guidelines (2026), FHA Title I and Title II loan limits (HUD.gov), VA Lenders Handbook Chapter 12 (manufactured housing), Freddie Mac CHOICEHome and Fannie Mae MH Advantage program guidelines
Disclaimer: Mobile home loan eligibility, rates, and terms vary by lender, credit profile, home classification, and state requirements.
Results are estimates only. Consult a HUD-approved lender for official loan determination.
Related Calculators
For FHA mobile home mortgage payment including MIP, UFMIP, and the FHA vs conventional comparison, the FHA Mortgage Calculator models complete FHA loan cost. Veterans financing a manufactured home through a VA loan can model their exact payment including the VA funding fee with the VA Mortgage Calculator.
For any standard amortizing loan comparison — personal loan vs chattel on the same balance — the Loan Calculator shows total cost with full amortization. And to see how a manufactured home fits into your overall financial picture — as an asset alongside your liabilities — the Net Worth Calculator tracks home equity and all other assets together.