VA Loan for a Mobile Home (2026): Rules That Matter

Think VA loans are just for white picket fences and traditional homes? Think again.

For veterans seeking affordable housing, manufactured and modular homes can be an ideal route to ownership-especially when paired with the unbeatable benefits of a VA loan. Whether you're looking to save on monthly costs, live in a rural setting, or downsize without sacrificing comfort, mobile homes could be your most strategic housing decision yet.

This guide reveals how VA loans apply to mobile, modular, and manufactured homes-including cost-saving insights like zero down, no PMI, and waived commission fees through partners like reAlpha.

• Yes, eligible borrowers may use a VA loan to finance a mobile, manufactured, or modular home, provided the property meets both HUD and VA standards.
• VA loans may require no down payment, no private mortgage insurance (PMI), and generally offer competitive interest rates.
• The property must be the borrower's primary residence and affixed to a permanent foundation to meet VA eligibility requirements.
• Not all lenders offer VA loans for manufactured homes. VA-experienced lenders-like those available through reAlpha Mortgage-can help you find appropriate options.
• If you purchase a home through reAlpha, commission fees may be waived, which could reduce upfront costs. This varies by transaction and should be confirmed directly with the service provider.

Yes, you can use a VA loan to purchase land with a mobile home. For full guidance, visit our VA land loan blog.

While VA doesn’t set strict age or size limits, most lenders prefer homes under 20 years old and 400+ sq ft. The home must not have been relocated. See our full loan requirement checklist.

A VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs. It is available to qualified veterans, active-duty service members, and certain surviving spouses. VA loans are issued by private lenders and guaranteed in part by the VA.

Get Pre-Qualified and Save Up to 1.5% at Closing with reAlpha

Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.

Check If You Qualify

• Eligible veterans with qualifying service
• Active-duty service members with at least 90 continuous days
• Certain members of the National Guard or Reserves
• Surviving spouses (under specific conditions)

You can verify your eligibility through the VA’s Benefits portal.

Check your VA Certificate of Eligibility to confirm.

• No down payment is required in most cases
• No monthly private mortgage insurance (PMI)
• Competitive interest rates based on credit and market conditions
• Flexible credit qualification standards
• One-time VA funding fee (which may be rolled into the loan)

For first-time homebuyers, these benefits may offer lower upfront costs-especially for homes under $100K. Always consult with a VA-approved lender for a cost breakdown based on your qualifications.

Short answer: Yes, but there are specific criteria.

VA Mobile Home Loan Requirements:

• Primary Residence Only: The home must be your intended primary residence. Investment or second homes are not eligible under VA guidelines.
• HUD Standards: The unit must comply with HUD safety and construction codes.
• Permanent Foundation: The home must be affixed to a permanent foundation and sited on land owned or being purchased with the home.
• VA Appraisal Required: A VA-certified appraiser must confirm the property’s value and condition.

Lenders may also impose additional guidelines (called “overlays”). That’s why it’s helpful to work with a lender familiar with VA mobile home loans.

Curious about home standards? Read VA appraisal requirements

Not all factory-built homes meet VA guidelines. Here’s what generally qualifies:

Eligible Mobile Home Types:

• Single-Wide Units: Typically 600–1,300 sq ft
• Double-Wide Units: Usually 1,000–2,300 sq ft
• Modular Homes: Assembled on site; often treated similarly to site-built homes by underwriters

Key Requirement: The structure must be installed on a permanent foundation and comply with both HUD and VA construction and safety codes.

Note: Modular homes may have a smoother approval process due to construction and design similarities with traditional homes.

Your step-by-step guide:

Apply online via the VA eBenefits portal or request assistance from your lender.

Not all lenders finance manufactured homes. reAlpha Mortgage helps connect borrowers to VA-participating lenders familiar with these transactions.

Note: Lender participation and program availability may vary by state and lender.

• Must meet HUD Code construction requirements
• The VA-certified appraiser must verify the value and condition

After approval, finalize your loan documents and complete the purchase. Welcome to your new home!

Let’s compare average costs, based on sample scenarios:

Veterans Can Save Up to 1.5% at Closing with reAlpha

Save up to 1.5% on your purchase price by using reAlpha Realty and Mortgage together.

Unlock Savings

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

That’s real cash you can put toward inspections, upgrades, or move-in costs. Start your smarter homebuying journey today-see how much you can save at reAlpha Mortgage.

reAlpha Mortgage | NMLS #1743790 | Equal Housing Lender. This article is for educational purposes and does not constitute a lending commitment. Loan approval is based on credit and underwriting standards. Please confirm current VA guidelines with your lender or the VA Lender’s Handbook.