Home›Property Types›Modular Home›FHA
Modular Home · FHA

FHA Modular Home Loan in Florida

An FHA loan on a modular home offers a low 3.5% down payment and forgiving credit, when the property meets FHA's standards. Here is how FHA treats a modular home in Florida.

State code
Built To
3%
Min Down
Like site-built
Financing
Growing
Florida
Call Now
Get Pre-Approved in FHA Modular Home Loan
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Modular Home · FHA

FHA Modular Home Loan in Florida

FHA financing on a modular home brings a 3.5% minimum down payment and a 580-score floor, but FHA also has property rules — condition, occupancy, and project approval where it applies. When a modular home clears those, FHA is one of the most accessible loans, and it stacks with Florida assistance. We confirm FHA eligibility for the specific property.

A modular home is built in sections in a factory but assembled on a permanent foundation to the same state building code as a site-built house. Because of that, it finances exactly like traditional construction — no special loan needed.

Unlike a manufactured (HUD-code) home, a modular home is real property from the start and appraises against site-built comparables. That means full access to FHA at 3.5% down, conventional at 3%, VA, and USDA. New modular builds can use a construction-to-permanent loan that covers the build and the mortgage in one close.

We make sure the appraisal treats your modular home as the site-built equivalent it is, and we match new builds to construction lenders comfortable with modular delivery in Florida.

Modular Home at a Glance

✓Built to the same state code as site-built homes.
✓Financed like traditional construction — full loan access.
✓FHA from 3.5% down; conventional from 3%.
✓New builds use construction-to-permanent loans.

Read the full modular home financing guide, or compare other angles: Requirements · Financing Guide · Conventional · DSCR.

Modular Home Snapshot
Built ToState code
Min Down3%
FinancingLike site-built
FloridaGrowing
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

FHA Modular Home Loan Questions

Can I use an FHA loan on a modular home?

Often yes, if the modular home meets FHA's condition, occupancy, and (where relevant) project rules. FHA then allows 3.5% down with flexible credit. We verify FHA will accept the specific property before you apply.

Is a modular home financed differently than a regular house?

No. A modular home is built to state code on a permanent foundation and is real property from the start, so it uses the same FHA, VA, USDA, and conventional loans as a site-built home — and appraises against site-built comps.

What is the difference between modular and manufactured homes for financing?

A modular home meets state building code and finances like a site-built house. A manufactured home meets the federal HUD code and has stricter loan rules. The code it is built to changes the financing — modular is the easier path.

Keep Going
Modular Home GuideModular Home · RequirementsModular Home · Financing GuideModular Home · ConventionalModular Home · DSCRAll Property TypesApply for Pre-Approval

FHA Modular Home Loan?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.