FHA Manufactured Home Loan Minimum Credit Score

FHA manufactured home loan minimum credit score


A manufactured home is a factory-built home, constructed to the Federal Manufactured Construction and Safety Standards implemented June 15, 1976. The structure is transportable in one or multiple sections to the permanent site and is permanently affixed to the foundation and taxed as real estate.

Minimum credit score

FHA announced a policy change to address risk and strengthen finances. FHA changed the minimum credit scores for new borrowers:

  • New borrowers will now be required to have a minimum credit score of 580 to qualify for FHA's 3.5% down payment program
  • New borrowers with less than a 580 credit score will be required to put down at least 10%
  • FHA minimum credit score is 500

Foundation Systems

All manufactured home permanent foundation systems must follow the FHA guidelines in effect at the time of the certification. The guidelines include submission of a certification from a licensed professional engineer, or registered architect, who is licensed/registered in the state where the manufactured home is located, attesting to compliance with the current guidelines.

A copy of the foundation certification, showing that the foundation meets the guidelines published in the PFGMH that were in effect at the time of certification, is acceptable for future FHA loans, provided there are no alterations and/or observable damage to the foundation.

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FHA manufactured home loan minimum credit score Florida

FHA loan for manufactured homes


To be eligible for an FHA mortgage all manufactured homes must comply with the following:

  1. have a floor area of not less than 400 square feet
  2. be constructed after June 15, 1976, in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR 3280.11(manufactured homes produced prior to that date are ineligible for insured financing)
  3. be classified as real estate (but need not be treated as real estate for purposes of state taxation)
  4. the mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years from the date amortization begins
  5. built and remains on a permanent chassis
  6. designed to be used as a dwelling with a permanent foundation built to FHA criteria
  7. the finished grade elevation beneath the manufactured home or, if a basement is used, the grade beneath the basement floor shall be at or above the 100-year return frequency flood elevation

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