USDA Manufactured Home Loans in Florida

No — for qualified borrowers, USDA is a no-down-payment program, and financing up to 100% of the home’s appraised value may be available. Area and household-income eligibility apply, so the address and your income decide it — send us both and we’ll give you a straight answer.

Yes — and it’s newer than many people realize. Under rules USDA finalized in 2025, existing manufactured homes are eligible when the home was built within 20 years of closing, has never been moved from its first installed site, sits on a permanent foundation meeting HUD standards, and is titled with the land as real property. An engineer’s foundation certification is typically part of the paperwork. Before 2025, USDA manufactured-home financing was effectively limited to new units.

Yes. USDA’s floor is 400 square feet of living area, which single-wides clear — the program doesn’t require a multi-section home. The same property rules apply: owned land, permanent foundation, real-property title, and the 20-year window for existing homes. Single-wides are a specialty here, so if another lender waved you off, ask us before assuming the answer is no.

For a standalone USDA purchase arranged through Atlantic, the minimum credit score is 581. That figure is specific to the standard purchase program — construction lending runs on its own requirements — and options are also available for borrowers without a traditional credit score, using non-traditional credit history. Where an automated system declines an application, manual underwriting may be available on USDA and other government programs. Every application is reviewed individually, and no approval is implied until underwriting.

USDA doesn’t use private mortgage insurance. It charges a guarantee fee instead — an upfront fee that can typically be financed into the loan, and an annual fee added to the monthly payment. The amounts are set by USDA Rural Development and published on its fee schedule; we’ll walk through the current figures for your scenario when we run your numbers.

No. USDA has no first-time-buyer restriction — any qualified borrower who fits the area, income, and property rules may use the program. The one occupancy rule that always applies: the home must be your primary residence. Second homes and investment properties aren’t eligible.

There are several routes. If the appraised value comes in above the purchase price, the difference may be used toward closing costs. Seller contributions are permitted within program limits, and the upfront guarantee fee can typically be financed. How much of that applies depends on your scenario — we’ll structure it with you rather than hand you a rule of thumb.

Then USDA isn’t the program — it requires the home and land together, titled as real property, on a permanent foundation. A home in a lot-rent park or on leased land takes chattel financing instead, which Atlantic Mortgage also arranges. A home on land you own that still carries a personal-property title can sometimes be converted to real property first; whether conversion makes sense depends on the home, the foundation, and the county paperwork — worth a call before you rule anything out.