USDA loan
A rural housing loan backed by the U.S. Department of Agriculture; certain programs can finance qualifying manufactured homes in eligible areas.
Published May 31, 2026
A USDA loan is a home loan backed by the U.S. Department of Agriculture's rural development programs, aimed at helping people buy homes in eligible rural and some suburban areas. For borrowers who qualify, terms can be favorable, sometimes with little or no down payment.
Certain USDA programs can finance manufactured homes that meet program requirements, which generally address the home's construction, installation, and permanent classification, as well as the location's eligibility. Where available, this can be an alternative to a chattel loan.
USDA financing rounds out the main government-backed options alongside FHA and VA loans. Eligibility, location rules, and terms are specific to each program and lender. This is general information, not legal or financial advice.