Can a VA home loan be used for a manufactured home or a lot?

NationwideReviewed October 2026

Yes, VA says its purchase loan can be used for a manufactured home or lot, as well as for buying or building a single-family home, as long as the veteran will live there. Eligible borrowers need a VA Certificate of Eligibility and must meet the lender's credit and income standards. VA highlights that no down payment is required if the price does not exceed the appraised value, and that there is no private mortgage insurance. Most borrowers pay a VA funding fee; VA lists a 1% fee for manufactured home loans where the home is not permanently affixed. Lenders set their own property standards on top of VA rules, so ask which home types they accept.

Sources

Find the rule for your area

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

Want help planning your site?

We can walk you through what your land needs before your home ships.

Call 800-259-1745

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.