Does FHA insure older manufactured homes?

A manufactured home must have been constructed on or after June 15, 1976, in conformance with the federal Manufactured Home Construction and Safety Standards (MHCSS), as evidenced by an affixed HUD Certification Label or a letter of label verification issued on behalf of HUD. Manufactured Homes produced prior to this date are ineligible for FHA-insured financing. 

For additional information see Handbook 4000.1 II.D.5.b. available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-04485