How can I finance the land before placing a home on it?

NationwideReviewed October 2026

You can usually finance land separately with a lot or land loan, or finance the land and home together through some programs. FHA Title I allows a loan for a manufactured home lot alone or for a home and lot combined. With a combination loan, the borrower must own the lot outright, not lease it. VA's purchase loan lists a manufactured home or lot among eligible uses for eligible veterans. In rural areas, the Farm Credit System, a network of borrower-owned lending cooperatives regulated by the Farm Credit Administration, makes agricultural real estate loans and some rural home loans. Many banks and credit unions also offer land loans. Terms, down payments, and rates differ by lender, so compare written offers.

Check your local rule. This varies by state, county or city. Your permitting office has the final word; the official lookup pages below show you who that is.

Sources

Find the rule for your area

Official pages from the agencies and code bodies that set these rules.

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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.