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USDA Will Now Finance Existing Manufactured Homes

March 15, 2019 — 2 min read

PRM is proud to offer the USDA Existing Manufactured Home Pilot Program!

Many people would love to have a home with land surrounding them. It can be hard to finance a manufactured home as typically only brand new, and never occupied manufactured homes are eligible for a USDA Rural Development Home Loan. However, the United States Department of Agriculture (USDA) announced a pilot program for financing existing manufactured homes, and Pacific Residential Mortgage is pleased to announce that we'll be participating in this program.

This means there's a new, no down payment, 100% financing option available for Manufactured homes.

A USDA manufactured loan is a $0 down payment, 100% financed home mortgage available to homebuyers searching for a manufactured home in their dream location in rural and suburban areas. It's very likely that a property near you qualifies as 97% of U.S. land mass is eligible for USDA*. Now, with the new Existing Manufactured Home Pilot Program, even more, properties qualify.


  • Minimum 640 credit score.
  • Built on or after January 1, 2006.
  • Must be located in a USDA-eligible area.
  • Eligible in Oregon, Washington, Colorado, Nevada, and Texas.
  • Must be classified and taxed as real property.
  • Doublewide or larger, with minimum 400 sq. ft.
  • Structural Additions/Modifications not allowed.

If you want to know if you or a home that interests you qualify for the USDA Existing Manufactured Home Pilot Program, fill out the form below or contact us!

*Some state and county maximum loan amount restrictions may apply.
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