Financing options for manufactured and modular homes in Florida. FHA, VA, conventional, and chattel loans available.
Title I/II
FHA
Available
VA
3.5-20%
Down
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- FHA Title II: permanent foundation, real property classification
- FHA Title I: chattel loan for homes not on permanent foundation
- VA: manufactured homes on permanent foundation
- Conventional: Fannie Mae MH Advantage for qualifying homes
- Must meet HUD code and have HUD certification label
- Double-wide minimum for most programs
- Land-home packages available
Who Is This For?
- Buyers seeking affordable Florida homeownership
- Rural Florida buyers where manufactured homes are common
- Retirees purchasing in Florida manufactured home communities
Florida-Specific Considerations
- Florida has one of the largest manufactured home populations in the US
- Hurricane tie-down and anchoring requirements are strict in FL
- Flood zone location significantly affects insurance costs
- Many Florida 55+ communities feature manufactured homes
- Land-lease vs owned-land affects financing options
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