Bright Box Homes

What is an FHA Title I manufactured home loan?

NationwideReviewed October 2026

FHA Title I is a HUD insurance program for loans to buy or refinance a new or used manufactured home, a lot for one, or a home and lot together. The home does not have to be treated as real estate. HUD says the maximum term for a single-unit home loan is 20 years and 32 days. Buyers who meet credit requirements and will live in the home as their main residence are eligible. Borrowers pay an upfront insurance premium plus an annual premium on the declining balance. The home can sit on a leased lot in a manufactured home community if the first lease term is at least three years, and the site must meet local suitability standards. Dollar loan limits are set by HUD and change over time, so check with an FHA-approved lender.

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General information, written in our own words from the sources listed with each answer. It is not legal, engineering, tax or financial advice. Rules change and differ by state, county and city, so confirm with the office that issues your permit before you build. Last reviewed October 2026.