If you're a veteran, active duty, qualifying spouse, or eligible reservist — this is almost always the best mortgage you'll ever qualify for. Zero down payment. No mortgage insurance, ever. Lower rates than conventional or FHA. The catch: the home must be on a permanent foundation, classified as real property, and meet HUD code. The funding fee is the trade-off (1.4-3.6% one-time, financeable), and it's waived if you have a service-connected disability rating. This page shows the math, the eligibility, and the three scenarios where VA wins big.
VA Manufactured Calculator · Including Funding Fee
Run your VA payment. See what zero down looks like.
VA loans have no down payment requirement and no monthly mortgage insurance. The VA funding fee is the only meaningful additional cost — typically 2.15% for first-time use with no down payment, financed into the loan. Disability-rated veterans pay no funding fee at all.
Home Price$220,000
$100K$700K
Down Payment0%
0% (full VA)20%
Funding Fee StatusFirst use
→ Your monthly cost
VA Manufactured
Principal & Interest
$1,420
PMI / MIP
None
Loan Amount
$224,730
Inc. $4,730 funding fee
Rate Used
6.500%
30-year fixed
Total Monthly
$1,420
P&I only — no PMI
Compare to FHA Title II at this price: $1,365 P&I + $99 MIP = $1,464/mo. VA saves ~$44/mo at this scenario— and the savings compound because FHA MIP is permanent for the loan term.
VA Manufactured Eligibility · Borrower & Property
Two qualification paths. Borrower and property both matter.
VA loans require both borrower eligibility (your service record qualifies you for a Certificate of Eligibility) and property eligibility(the home itself has to meet VA's standards). For manufactured homes, the property side is stricter than for site-built — chattel financing is not allowed.
→ Borrower side
Who qualifies
VA eligibility is based on length and character of service. You'll need a Certificate of Eligibility (COE)— we pull this for you during pre-approval.
Active duty90+ continuous days during wartime; 181+ days during peacetime.
VeteransHonorable discharge after qualifying service. Length depends on era.
National Guard6 years of service or 90+ days of federal active duty.
Reservists6 years in Selected Reserve or 90+ days active service.
SpousesSurviving spouses of service members killed in line of duty; certain MIA/POW spouses.
Min FICOVA has no minimum FICO; LHFS overlay typically 580+ for manufactured.
Key advantage: VA has more flexible DTI and credit standards than FHA or conventional. If you've been told you don't qualify for a mortgage, VA may be the only path open.
→ Property side
What qualifies
VA manufactured requirements are stricter than FHA. Chattel financing is not allowed— the home must be classified as real property and on a permanent foundation.
HUD codeBuilt after June 15, 1976 — must have HUD certification label visible.
FoundationPermanent foundation per HUD PFGMH. No piers-only setup.
TitleReal property only. The chassis must be permanently affixed; title typically retired through state process.
LandOwned (or being purchased). Leased lots typically don't qualify; leasehold estates rare.
Section countSingle, double, or multi-section all eligible if structurally sound.
UsePrimary residence only. No second homes or investment properties.
Key disqualifier: if the home is on a leased lot or the chassis is still attached as personal property, VA won't write it. Convert to real property first, or use FHA Title I (chattel) instead. See our chattel guide.
VA Funding Fee Schedule · 2026 Rates
The funding fee. One-time, financeable, sometimes waived.
VA's funding fee replaces mortgage insurance and goes to the VA loan guaranty fund (which keeps the program self-sustaining). It's a one-time charge financed into the loan— you don't pay it monthly. Three factors determine the rate: first-use vs. subsequent, down payment amount, and disability status.
Use Type
0% down
5-9.99% down
10%+ down
First-time use
2.15%
1.50%
1.25%
Subsequent use
3.30%
1.50%
1.25%
National Guard / Reserves first use
2.15%
1.50%
1.25%
National Guard / Reserves subsequent
3.30%
1.50%
1.25%
VA-rated disability (any %)
0% — exempt
0% — exempt
0% — exempt
Surviving spouse (eligible)
0% — exempt
0% — exempt
0% — exempt
Purple Heart recipient
0% — exempt
0% — exempt
0% — exempt
Disability exemption matters. If you have any service-connected disability rating from the VA — even 10% — your funding fee is waived entirely. On a $220K loan, this saves $4,730. Pursue any pending disability claim before closing if possible; the savings can be substantial.
Three Veteran Scenarios · Different Service, Different Outcomes
Three veterans. Three different best outcomes.
Same $220,000 manufactured home on owned land with permanent foundation. Three veterans with different service profiles and disability statuses.
IScenario · N° 01Best case: disability-exempt
SSgt Ortiz-Mendelson
Profile: Active duty 8 years, 30% VA disability rating, FICO 690, $0 down.
The deal
Funding fee
0% — disability exempt
Loan amount
$220,000 (no fee added)
P&I @ 6.5%
$1,391/mo
PMI/MIP
None — VA has no mortgage insurance
IIScenario · N° 02Standard case: first-time use
CPO Whitfield
Profile: Navy retired (20 years), no disability, FICO 740, first-time VA use, $0 down.
The deal
Funding fee
2.15% first-time use, $0 down
Loan amount
$220,000 + $4,730 fee = $224,730
P&I @ 6.5%
$1,420/mo
PMI/MIP
None — VA has no mortgage insurance
IIIScenario · N° 03Edge case: subsequent use
Capt Holloway-Brankowski
Profile: Army retired, used VA before, no disability, FICO 720, 5% down, second VA loan.
The deal
Funding fee
1.50% (5% down reduces from 3.30%)
Loan amount
$209,000 + $3,135 fee = $212,135
P&I @ 6.625%
$1,358/mo
PMI/MIP
None — VA has no mortgage insurance
Related Resources · Manufactured Housing Section
Don't qualify for VA? Here are the next-best options.
Eight questions service members ask about VA manufactured loans. Real answers, including which lenders write them.
Yes, when the home qualifies as real property (HUD-code, permanent foundation, on land you own or are buying together). Same VA benefits apply: $0 down, no PMI, no funding fee for disabled veterans.
VA does not finance chattel-only or leased-land manufactured homes — the home must be classified as real property.
No, but the home must meet current VA Minimum Property Requirements (MPRs). Older homes (pre-1990 especially) sometimes fail MPRs without significant repairs.
VA appraisers are particularly attentive to manufactured home foundation, electrical, plumbing, and structural integrity. Plan for potential repair costs to bring older homes into compliance.
Same as site-built VA loans: 2.15% first use, 3.30% subsequent use (with $0 down). Reduced fees with 5%+ or 10%+ down. Waived entirely for veterans with service-connected disability rating.
Funding fee can be financed into the loan amount — no out-of-pocket cost at closing if you choose to finance it.
Yes, both single-wide and multi-section manufactured homes qualify, provided they meet HUD-code construction (post-June 1976) and VA Minimum Property Requirements.
Practical note: finding lenders willing to write VA single-wide loans is harder than finding lenders for VA double-wides. Land Home is one of the few lenders that routinely writes both.
Yes, a single VA loan can fund land purchase, home purchase, and foundation work simultaneously. Most common structure for new manufactured home purchases.
Single-close construction VA loans cover the build phase and convert to permanent VA financing when home is set, foundation certified, and occupancy issued.
30-year fixed is the standard, same as VA site-built loans. Some lenders offer 15-year and 20-year options at slightly lower rates.
VA does not write chattel-equivalent shorter terms — VA manufactured is structured as a standard real-property mortgage with full 30-year term available to all qualified borrowers.
Yes — both VA IRRRL (Streamline) and VA cash-out refinances are available. IRRRL is typically the fastest path: simplified documentation, no appraisal required in many cases, can close in 20–30 days.
VA cash-out can pull up to 90% of home equity (some lenders allow 100%, but at premium rates). One of the most flexible cash-out programs for manufactured home owners.
VA itself has no minimum FICO, but most lenders impose a 620 minimum for manufactured (higher than site-built VA, which often goes to 580).
Land Home writes VA manufactured down to 580 with strong compensating factors. Below 580, talk to specialty VA lenders before giving up.
Disclaimer: VA program rules and lender overlays change. Verify current requirements with your loan officer.
Veteran or Active Duty?
Earned the benefit? Let's run your specific numbers.
Sixty-second short app — no SSN, no hard credit pull. Tell us your service profile (active, veteran, reserves, spouse), the home, and the down payment plan. We'll quote VA Manufactured against FHA Title II and conventional MH Advantage so you can see the savings honestly. If you have a pending disability claim, mention it— exempting the funding fee can save thousands.
Disclosures. All numbers on this page are estimates based on representative scenarios. Actual rates, terms, qualification, and approval depend on lender review, credit history, debt-to-income, property value, occupancy, foundation type, real-property classification, and lender overlays. VA loan eligibility is determined by the U.S. Department of Veterans Affairs based on length and character of service; a Certificate of Eligibility (COE) is required. VA funding fees per current 2026 schedule: first-time use 2.15% (0% down) / 1.50% (5-9.99%) / 1.25% (10%+); subsequent use 3.30% (0% down). Funding fee waived for veterans with VA-rated service-connected disability, surviving spouses receiving DIC benefits, and Purple Heart recipients. VA does not insure mortgages; VA guarantees a portion of the loan to the lender. Manufactured home eligibility requires HUD code (post-June 15, 1976), permanent foundation per PFGMH, real property classification, and primary residence use. Chattel/personal-property classification not eligible for VA financing. Three-veteran scenarios are illustrative examples, not real client data. Land Home Financial Services, Inc. NMLS #1796, VA-approved lender. Equal Housing Lender. Licensed in 50 states. This is not an offer to make a loan or a commitment to lend. Information current as of 2026.
