What is an FHA Title II loan for a manufactured home?

NationwideReviewed October 2026

FHA Title II insures a regular mortgage on a manufactured home together with the land, and the property must be treated as real estate. HUD guidance lists these requirements: the home was built after June 15, 1976, to the federal manufactured home standards; it has at least 400 square feet; it sits on a permanent foundation that meets FHA criteria; and the towing hitch and running gear are removed. The loan covers both the home and its site, and the term cannot exceed 30 years. In mapped flood zones A or V, the finished grade must be at or above the 100-year flood elevation. HUD describes it as the FHA option for people who own the land, alongside Title I for homes in communities. Lenders apply HUD's current handbook, so confirm details 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.