Land/home package
A transaction that combines the purchase of a manufactured home and the land it will sit on, often financed together as real property.
Published May 31, 2026
A land/home package is a transaction that combines buying a manufactured home and the land it will sit on, often arranged and financed together. Instead of renting a lot, the buyer owns both the home and the ground beneath it.
Because the buyer owns the land, a land/home package frequently goes hand in hand with treating the home as real property: the home is permanently affixed to the land, its title is retired through title retirement, and the whole thing is financed with a mortgage rather than a chattel loan. That can affect the interest rate, the loan term, and how the property is taxed.
Land/home packages are often arranged through a dealer. As with any bundled deal, it helps to understand which part of the price is the home, which is the land, and which is fees. This is general information, not legal or financial advice.