FHA Single Wide Mobile Home Requirements

The Federal Housing Administration (FHA) provides a way to finance a home with a lower down payment than is typical. It sets specific requirements that manufactured homes must meet to qualify for FHA mortgage insurance. This is a great opportunity for those purchasing a home for the first time or those who are in need of refinancing a current home.

Size

The mobile home must be a minimum of 400 square feet to qualify.

Age

The manufactured home needs to be made after June 15, 1976.

Certification

The home must be constructed and comply with the Federal Manufactured Home Constructions and Safety Standards. A home that fits this requirement will have a certification label stating it meets 24 CFR Section 3280.8 standards.

Design

The mobile home must be designed to be used as a dwelling and be on a permanent foundation. The home also needs to be built and remain on a permanent chassis.

Mortgage Length

The mortgage needs to be for both the mobile home and the site it's on. Additionally, the mortgage must not be over a 30-year term.

Elevation

The elevation under the mobile home must not be at or above the 100-year return frequency flood elevation.

Resources

• HUD - Manufactured Homes: Eligibility and General Requirements