FHA manufactured housing has two very different lanes: Title II and Title I.
This distinction matters enormously—especially for manufactured homes in parks where the borrower leases the land.
Title II manufactured housing
For standard FHA Title II Single Family mortgage insurance, the manufactured home must satisfy FHA requirements including being designed as a one-family dwelling, generally having at least 400 square feet, being constructed on or after June 15, 1976 to the federal manufactured-home standards, having the required HUD Certification Label or verification, and being classified as real estate under FHA's requirements.
Permanent foundation
Title II manufactured homes must satisfy FHA foundation/site requirements. Foundation compliance and required engineering/foundation documentation can become a major underwriting issue, particularly on older installations.
Title I manufactured-home financing
FHA Title I is a separate insurance program. It can finance a manufactured home unit, a lot, or a home-and-lot combination under its own loan parameters.
Leased land / mobile-home parks
HUD specifically permits a Title I manufactured home to be placed on a qualifying leased lot. HUD's current consumer guidance requires an initial lease term of at least three years and at least 180 days' advance written notice if the lease is to be terminated.
Official FHA sources
Primary policy baseline: HUD/FHA Single Family Housing Policy Handbook 4000.1, current update published August 12, 2026. Property, appraisal and program rules can change through Handbook updates, Mortgagee Letters and FHA INFO.
Handbook 4000.1 · Handbook supplemental references · FHA Condominiums