USDA Now Finances Existing Manufactured Homes – What You Need to Know

Big news for homebuyers in rural areas: USDA is now allowing financing on existing manufactured homes —a change that opens the door for more affordable homeownership options with 100% financing and no down payment.

What Changed?

In the past, USDA loans were limited to newly constructed manufactured homes. Now existing manufactured homes are eligible—provided they meet all necessary guidelines and are located in USDA-eligible rural zones.

Key Benefits of USDA Financing for Manufactured Homes

• Zero Down Payment: 100% financing is available.
• Wider Inventory: Buyers can now consider existing manufactured homes, not just new ones.
• Affordable Monthly Payments: USDA loans offer competitive interest rates and lower insurance costs.

Ready to Get Started?

At Kentuckiana Mortgage Group, we help buyers throughout Southern Indiana and Kentucky navigate the USDA loan process with ease. Contact us today to see if you qualify for this affordable path to homeownership!