Financing Existing Manufactured Homes with the SFHGLP

USDA Rural Development sent this bulletin at 08/21/2025 08:49 AM EDT

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USDA Rural Development - Together, America Prospers

SFH Guaranteed Origination

August 21, 2025

Financing Existing Manufactured Homes with the SFHGLP

On May 5, 2025, the Single-Family Housing Guaranteed Loan Program (SFHGLP) expanded the list of eligible property types to include existing manufactured homes. To qualify, existing manufactured homes must meet the following (not all-inclusive) criteria:

Consist of an existing unit with a floor area of at least 400 square feet that has never been previously installed on a different homesite.
Have a manufacture date that is within 20 years from the date of loan closing.
Be installed on a permanent foundation without any alterations or modifications to the home since construction in the factory, except for porches, decks, or other structures which were built to engineered designs and approved and inspected by local code officials.
Meet or exceed the Federal Manufactured Home Construction and Safety Standard (FMHCSS) Uo Value Zone for the geographic area.

The comprehensive list of requirements for financing existing manufactured homes can be located in Chapter 13 of Handbook 1-3555.

Questions regarding program policy and this announcement may be directed to sfhgld.program@usda.gov or (833) 314-0168.

Thank you for supporting the Single-Family Housing Guaranteed Loan Program!

Help Resources

Rural Development Help Desk:

For GUS system, outage or functionality assistance

Email: RD.HD@USDA.GOV

Important Links:

SFHGLP Webpage: https://www.rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program

USDA LINC Training and Resource Library:

https://www.rd.usda.gov/programs-services/lenders/usda-linc-training-resource-library

Procedure Notices: https://www.rd.usda.gov/resources/directives/procedures-notices

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