FHA loan
A mortgage insured by the Federal Housing Administration; certain FHA programs can be used to finance manufactured homes that meet requirements.
Published May 31, 2026
An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. Because the government insures the loan against default, lenders may offer terms that are more accessible than some conventional financing.
Certain FHA programs can be used to finance manufactured homes that meet program requirements — for instance, requirements about how the home is built, installed, and (for some programs) affixed to land. This can make FHA financing an alternative to a chattel loan for buyers who qualify and whose home and site meet the criteria.
The FHA loan program is separate from the Fair Housing Act, despite the shared "FH" initials — one is about financing, the other about discrimination. Eligibility and terms are specific to each program and lender. This is general information, not legal or financial advice.