February 3, 2026
12 minutes
Think VA loans can’t be used for manufactured homes? Think again.
If you're a first-time VA buyer, you might be missing out on one of the most affordable paths to homeownership. VA loans do cover manufactured homes - as long as a few key requirements are met. That means you could buy your dream home with zero down payment, no PMI, and competitive interest rates.
In this guide, we break down exactly how to make it happen: from HUD compliance to foundation rules, and how to avoid common pitfalls. Plus, you’ll discover how reAlpha Mortgage can help you save thousands in closing costs through exclusive buyer commission rebates.
Ready to bust myths and unlock homeownership? Let’s go.
VA Loan Fast Facts for Manufactured Homes
| Feature | VA Loan for Manufactured Home | Conventional Loan |
|---|---|---|
| Down Payment | $0 | 5% - 20% |
| PMI Required | No | Yes |
| Permanent Foundation Required | Yes | Often |
| Interest Rates | Lower, VA-backed | Depends on credit |
| Eligible Property Type | HUD-compliant & permanently affixed | Varies |
Source: VA Home Loans
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Key Takeaways
- VA loans can finance manufactured homes – Eligible veterans and service members can use VA loans to purchase manufactured homes, provided they are permanently affixed to a foundation and meet VA and HUD standards.
- Zero down payment and no PMI – VA loans offer 100% financing, eliminating the need for a down payment or Private Mortgage Insurance (PMI), which can significantly reduce upfront and monthly costs.
- Lender and property requirements apply – Not all lenders finance manufactured homes, and the property must meet minimum property standards to qualify for VA-backed financing.
- Lower interest rates and potential tax benefits – VA loans typically feature competitive interest rates compared to conventional loans, and some veterans may qualify for property tax exemptions, depending on state benefits.
Related Read: VA Appraisal Requirements
How to Meet VA Guidelines for Manufactured Homes
To qualify, your manufactured home must:
- Be permanently affixed to land and titled as real property
- Meet HUD building standards (post-1976)
- Pass a VA appraisal and meet Minimum Property Requirements (MPRs)
Related Read: VA Appraisal Requirements
VA vs. Conventional Loan for Manufactured Homes
| Benefit | VA Loan | Conventional Loan |
|---|---|---|
| Down Payment | 0% | 5-20% |
| PMI Required | No | Yes |
| Credit Flexibility | More lenient | Strict credit requirements |
| Closing Cost Savings | Often lower with reAlpha's no-commission model | Higher due to realtor fees |
| Mortgage Insurance | None (No PMI) | Required until 20% equity |
Explore more: VA Loan vs Conventional
How to Meet VA Guidelines for Manufactured Homes
To qualify, your manufactured home must:
- Be permanently affixed to land and titled as real property
- Meet HUD building standards (post-1976)
- Pass a VA appraisal and meet Minimum Property Requirements (MPRs)
What is a VA Loan?
A VA loan is a government-backed mortgage option that offers exclusive benefits to eligible military borrowers. These loans are guaranteed by the U.S. Department of Veterans Affairs (VA) and provided by VA-approved lenders, making homeownership more accessible for those who have served.
Can You Use a VA Loan for a Manufactured Home?
Yes, VA loans can be used to finance manufactured homes, but there are some conditions:
- The home must be permanently affixed to a foundation and classified as real property.
- The home must meet HUD and VA minimum property standards.
- Borrowers must meet VA loan eligibility requirements (service requirements, credit score, and income verification).
Eligibility Requirements for VA-Backed Home Loans
To qualify for a VA loan for a manufactured home, you must:
- Have a valid Certificate of Eligibility (COE).
- Meet the lender’s credit and income requirements. While the VA does not set a minimum credit score, most lenders seek approval for a 580+ credit score. Actual eligibility depends on lender policies and a full financial review.
- Plan to use the home as your primary residence.
For a deeper dive into eligibility criteria, check out our comprehensive guide on VA home loan requirements, which covers everything veterans need to know before applying.
Veterans Can Save Up to 1.5% at Closing with reAlpha
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Benefits of Using a VA Loan for Manufactured Homes
1. No Down Payment Required
Unlike conventional loans that may require 5-20% down, VA loans allow eligible buyers to finance 100% of the home's purchase price.
2. Competitive Interest Rates
VA loans typically have lower interest rates compared to conventional and FHA loans (APR varies; see lender for details).
3. No Private Mortgage Insurance (PMI)
Unlike FHA and conventional loans, VA loans do not require PMI, reducing monthly mortgage costs.
4. Tax Benefits
VA home loans may qualify for property tax exemptions in certain states. Check your state’s veteran benefits for potential savings.
Although VA loans significantly reduce upfront expenses, understanding potential VA loan closing costs can help veterans better prepare for a smooth financial transition to homeownership.
VA Loan Requirements for Manufactured Homes
- The Property Must Be Permanently Affixed – VA loans only apply to manufactured homes that are permanently attached to land and classified as real estate.
- The Home Must Meet HUD and VA Standards – The home must comply with HUD Code safety and structural guidelines and meet the VA’s minimum property requirements (MPRs).
- Financing Options for Modular vs. Mobile Homes:
- Modular Homes: Easier to finance since they meet traditional home construction standards.
- Mobile Homes: Must meet additional guidelines and be permanently affixed.
How to Apply for a VA Loan for a Manufactured Home?
Step 1: Obtain a Certificate of Eligibility (COE)
A COE proves your eligibility for a VA-backed loan. You can get one through:
- The VA eBenefits portal.
- A VA-approved lender.
- Mailing VA Form 26-1880 to the VA office.
Active-duty service members will also typically need a VA Loan Statement of Service alongside their COE to verify their service status during the application process.
Step 2: Find a VA-Approved Lender
Not all lenders finance manufactured homes. reAlpha Mortgage specializes in VA loans for manufactured homes and offers competitive rates designed for veterans.
Step 3: Get Pre-Approved
Lenders will evaluate your credit, income, and debt-to-income (DTI) ratio to determine your loan amount.
Step 4: Choose a Manufactured Home That Meets VA Standards
Ensure the home is permanently affixed and meets all VA property guidelines.
Step 5: Submit Your VA Loan Application
Your lender will process the loan, conduct an appraisal, and finalize approval before closing.
Final Word
Buying a home is a big decision - and having the right information puts you ahead. But the real advantage comes from pairing smart research with a smarter way to buy.
When you use a reAlpha real estate company, you can be eligible to receive up to 1% of the home purchase price back as a credit at closing. Add reAlpha Mortgage, and that rebate can increase to up to 1.5% back, helping offset closing costs and keep more money in your pocket when it matters most.
The rebate is simple, transparent, and applied directly at closing - no complicated hoops, no delayed payouts. Just real savings tied to using a fully integrated homebuying experience.
See how much you could save:
- Check your eligibility
- Explore homes that fit your budget today.
- Your next move could come with thousands back at closing.
Estimate your savings → Rebate Calculator
It’s your service. You earned this. Start saving smart with reAlpha Mortgage today.
FAQs
Can you do VA on a manufactured home?
Yes, you can! VA loans apply to manufactured homes that are permanently installed and meet both HUD and VA guidelines.
What credit score is needed for a VA manufactured home loan?
Most lenders look for a 580+ credit score, but the VA doesn’t set a minimum. Approval depends on full financial review.
Does the VA loan cover mobile homes?
Only if the mobile home is permanently affixed and meets the same VA and HUD requirements as manufactured homes.
Can I get a VA loan for a modular home?
Yes. Modular homes are often easier to finance than mobile homes because they follow traditional building codes.
How long does it take to close a VA loan for a manufactured home?
On average, 30–45 days. Working with VA specialists at reAlpha Mortgage can help speed it up while saving you thousands at closing.
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Article by
Rocky Billore is a mortgage industry leader and Chief Sales Officer with over two decades of experience across residential and commercial lending. Since entering the industry in 2004, he has been directly involved in funding more than $1.4 billion in loans. A recognized expert in VA and government lending, Rocky combines deep program knowledge with a data driven, relationship-first leadership style. His work focuses on building scalable sales organizations, developing high performing teams, and aligning technology with real world lending outcomes to improve the homeownership experience.