2025 Updated Maximum Loan Limits for Conventional and FHA Financing on Manufactured Homes

Last Updated: January 2025

Map of the United States with Different colors representing normal and high cost limits showing 2024 Conventional, 2024 Max FHA Limits, and 2024 VA Loan Limits for Manufactured, Mobile, and Modular Homes

At ManufacturedNationwide.com, we're excited to share how the new 2025 loan limits can help make your manufactured home dreams a reality. These increased limits open up more opportunities for manufactured home buyers nationwide.

Breaking News: 2025 Brings Enhanced Financing Options

The Federal Housing Finance Agency (FHFA) has announced significant increases in loan limits for 2025, creating new opportunities for manufactured home buyers. These changes affect all major loan types, including conventional, FHA, VA, and USDA loans - each offering unique advantages for manufactured housing.

Conventional Loan Options for Manufactured Homes in 2025

The new year brings expanded conventional financing options for manufactured housing:

2025 Standard Conventional Loan Limits:

  • Single-wide/Single-section = $806,500

  • Multi-section = $806,500 (same as site-built homes)

  • Land-Home Package = $806,500

The ceiling for buyers in designated high-cost areas reaches $1,209,750, offering even more flexibility for luxury manufactured homes and land-home packages.

Looking back: In 2024, these limits were $766,550 for all property types, showing a healthy 5.2% increase for 2025.

FHA Title I and Title II Programs: Enhanced Limits for 2025

FHA loans remain a cornerstone for manufactured housing finance, with two distinct programs:

Title I Manufactured Home Loan Limits:

  • Home Only = $109,075

  • Lot Only = $27,150

  • Home & Lot = $138,150

Title II FHA Loan Limits for 2025:

  • Basic Range: Up to $524,225

  • High-Cost Areas: Up to $1,209,750

  • Special Regions (Alaska, Hawaii, etc.): Up to $1,814,625

2024 Comparison: Previous FHA limits were $498,257 for standard areas and $1,149,825 for high-cost regions.

VA Loan Options for Veteran Manufactured Home Buyers

Veterans and active service members can benefit from VA loan options for manufactured homes:

  • No defined maximum limit for full-entitlement veterans

  • Based on the conventional limit of $806,500 for partial-entitlement cases

  • Special considerations for manufactured home and lot packages

USDA Rural Development: Supporting Rural Manufactured Housing

USDA loans offer unique opportunities for rural manufactured home buyers:

  • County-specific limits based on local markets

  • Must be new manufactured homes

  • Permanent foundation required

  • Property must be in a USDA-eligible area

Special Considerations for Manufactured Home Financing

When financing a manufactured home, keep in mind:

  • Age restrictions may apply (typically 15-20 years maximum age)

  • Foundation requirements vary by loan type

  • HUD certification required (built after June 15, 1976)

  • Land ownership (mortgage loan acceptable) or long-term lease requirements (chattel loan needed)

What These Changes Mean for Manufactured Home Buyers

The 2025 increases create several advantages:

  1. Higher borrowing capacity for luxury manufactured homes

  2. More options for land-home packages

  3. Expanded opportunities in high-cost areas

  4. Greater flexibility for multi-section homes

Expert Guidance from ManufacturedNationwide.com

Our team specializes in:

  • Navigating manufactured home financing options

  • Understanding title requirements

  • Evaluating land-home packages

  • Securing competitive rates

  • Managing the unique aspects of manufactured home loans

Looking Back: Historical Context

2024 Loan Limits Were:

  • Conventional: $766,550

  • FHA Standard: $498,257

  • High-Cost Areas: $1,149,825

This historical perspective shows the steady increase in financing options for manufactured housing.

Ready to Start Your Manufactured Home Journey?

The 2025 loan limits offer more opportunities than ever for manufactured home buyers. Whether you're looking at:

  • A new luxury manufactured home

  • A land-home package

  • A multi-section home

  • A rural property

ManufacturedNationwide.com is here to help you navigate these options and find the perfect financing solution for your manufactured home purchase.

Note: Loan limits and guidelines for manufactured homes may have additional requirements and restrictions. Contact our team for detailed information about your specific situation.

2025 Conforming Loan Limits Map & High Balance Counties Map with ManufacturedNationwide.com
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Frequently Asked Questions - FAQ’s

  • The conventional loan limits for 2024 on a single-family property were $766,550 and higher for high-cost areas, over $1 million.

  • In 2024, FHA loan limits for single-family homes increased to reflect rising home prices:

    • Low-cost areas (floor): $498,257

    • High-cost areas (ceiling): $1,149,825

    Limits varied by county, with higher amounts in expensive markets like parts of California and New York. Alaska, Hawaii, Guam, and the U.S. Virgin Islands had a higher ceiling of $1,633,950 due to increased living costs.

  • The VA no longer has loan limits; they allow up to the maximum single-family county loan limits, and for anything over that amount, you have to put down 25% of the difference. This, of course, is based on having full VA benefits entitlement and not having an actively open VA loan or a prior VA loan foreclosed upon.

  • For single-family homes in the contiguous United States in 2023, FHA loan limits ranged from a floor of $726,200 to a ceiling of $1,089,300, depending on location.

THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*Important: We do not offer financing for homes on rented land or in mobile home parks. For family land, financing is only available if the property is on a separate parcel with no other property, and the borrower must be on the title to that land. Financing is available only for properties permanently affixed to owned land at closing, except for new construction projects. New Dealer Manufactured Home Loans are not available in New York. Modular and site-built land/home construction loans are available in all 50 states.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.

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