Manufactured Housing refers to structures that are transportable in one or more sections. Manufactured Housing may also be referred to as mobile housing, sectionals, multi-sectionals, double-wide, triple-wide or single-wide.
To be eligible for FHA mortgage insurance as a Single Family Title II Mortgage, all Manufactured Housing must comply with the following:
• have a floor area of not less than 400 sq. feet;
• be constructed on or after June 15, 1976, in compliance with the Federal Manufactured Home Construction and Safety Standards as evidenced by the affixed HUD Certification Label;
• the Manufactured Home and site exist together as a real estate entity in accordance with state law (but need not be treated as real estate for purposes of state taxation);
• be built and remain on a permanent chassis;
• be designed to be used as a dwelling with a permanent foundation built in accordance with the Permanent Foundations Guide for Manufactured Housing (PFGMH);
• have been directly transported from the manufacturer or the dealership to the site;
• the finished grade elevation beneath the Manufactured Home or, if a basement is used, the grade beneath the basement floor is at or above the 100-year return frequency flood elevation; and
• be designed for occupancy as a Principal Residence by single family or a lease that meets Valuation of Leasehold Interests requirements.
For additional information see Handbook 4000.1 II.A.1.b.iv.(B)(5) and II.D.5.a-b. available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh
HUD’s Permanent Foundations Guide for Manufactured Housing (PFGMH) is available at https://www.hud.gov/program_offices/administration/hudclips/guidebooks/4930.3G