Your Financing Guide for Manufactured Home Loans in Texas

If you’re buying a manufactured home in Texas, FHA and conventional loans offer financing for both the home and land through a single mortgage. However, the home must meet specific requirements to qualify.

Read on to discover your home loan options and their eligibility requirements.

Mobile Homes vs. Manufactured Homes

While mobile homes and manufactured homes are often used interchangeably, they have key differences that determine whether your property qualifies for financing.

• Mobile Homes: These refer to factory-made homes constructed before June 15, 1976. Back then, HUD’s federal construction standards for manufactured homes in the U.S. had not yet taken effect. Mobile homes often do not qualify for government-backed or conventional financing.
• Manufactured Homes: These are factory-made homes built on or after June 15, 1976 under strict HUD regulations to ensure safety, durability, and energy efficiency. Manufactured homes come in single-wide (one unit) and multi-wide configurations.

Manufactured Home Loan Options for Texas Borrowers

At Texas United Mortgage, we offer the following loan options for eligible manufactured homes that serve as the homeowner’s primary residence:

FHA Loans

Insured by the Federal Housing Administration, FHA loans offer competitive rates and lower down payment requirements. An FHA loan may be a good fit if you have limited savings or less-than-perfect credit.

• As little as 3.5% down
• More flexible credit requirements, depending on the lender

For manufactured homes, the more common FHA option is Title II financing (land and home loan), which finances both the home and land as real estate under one mortgage.

A less common option is Title I financing, which finances either the manufactured home, a designated lot, or both. Not all lenders offer these loans.

HUD’s February 2026 report on single-family housing shows that manufactured housing with real estate comprised 4.7% of all FHA single-family endorsements. On the other hand, there were no Title I manufactured-housing endorsements that month.

Pro Tip: Verify the manufactured home’s age, foundation, and placement history with your lender to make sure it qualifies for FHA financing.

Conventional Loans

If you have a good credit score and stable income, consider applying for a conventional loan.

Conventional financing offers more flexibility, with maximum loan-to-value (LTV) ratios of up to 95% for eligible purchases and rate-and-term refinances of primary residences.

• For standard manufactured housing, the typical down payment is around 5% to 20% of the manufactured home’s purchase price.
• For MH Advantage manufactured homes, which meet certain construction standards similar to site-built homes, the down payment is as little as 3% for eligible borrowers.

Manufactured Home Loan Requirements

To qualify for financing, your manufactured home must meet the following standards:

• It must have a floor area no less than 400 square feet.
• Both the home and land must be classified as real estate.
• It must be designed for permanent residency and year-round use with safe all-weather road access.
• The manufactured home must not have been previously installed at another location and relocated.
• It must be permanently secured to an approved foundation that meets local federal, state, and local regulations.
• It must be permanently connected to a sewage system or septic tank and other required utilities.
• It must have been built on or after June 15, 1976 in compliance with federal safety standards.
• It must undergo an appraisal using Form 1004C.

Your manufactured home must have a HUD tag, usually found on the exterior of a manufactured home, or a HUD Data Plate, found inside the home.

If you can’t find the original HUD identification, you may have to provide alternative documentation, such as a label verification letter.

Movable homes, such as those with wheels, or manufactured homes without an approved permanent foundation are not eligible for FHA financing, since they may not hold up well to strong winds and other natural forces.

Remember: In addition to federal regulations, your manufactured home must comply with applicable Texas regulations and local requirements for manufactured homes, such as property classification and zoning rules.

Can I Get Financing for Investment Properties and Second Homes?

Texas United Mortgage does not offer manufactured home financing for rental or investment properties.

Second homes may be eligible for conventional financing. However, single-wide manufactured homes aren’t eligible as second homes.

That means you’ll need a multi-wide unit if you’re financing the property as a second home. But even then, there may be additional restrictions.

It’s best to discuss your financing options with our experienced loan officers to find the right fit for your situation.

Get Preapproved for a Manufactured Home Loan

If your chosen manufactured home meets the eligibility requirements above, FHA or conventional financing are worth considering.

Have questions about manufactured home loans in Texas? Our mortgage experts at Texas United Mortgage are ready to help you get preapproved and start your journey to homeownership.

Get in touch with us to learn more!

Next, find out how FHA loans compare to conventional loans to know which mortgage type fits your financial situation.