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Modular Home Financing Resources
Guides, tools, and everything you need to finance your prefab or modular home.
Loan Types
Government-backed and conventional loan programs for modular homes.
- FHA Loans for Modular Homes
- VA Loans for Modular Homes
- USDA Loans for Modular Homes
- Construction-to-Permanent Loans
Construction Loans
Finance the building of your new modular or prefab home.
- Construction Loans Overview
- FHA Construction Loans
- VA Construction Loans
- USDA Construction Loans
Financing Guides
In-depth guides on costs, rates, and financing strategies.
- Financing With Land
- Financing Without Land
- Down Payment Guide
- Modular Home Rates
- Modular Home Costs
Alternative Housing
Financing options for ADUs, tiny homes, and non-traditional housing.
- ADU Financing Guide
- Tiny Home Financing Guide
- Chattel vs. Mortgage Loans
Comparisons
Side-by-side comparisons to help you make informed decisions.
- Modular vs. Manufactured Financing
- FHA vs. Conventional for Prefab
- Prefab vs. Site-Built Costs
Tools & Calculators
Interactive tools to plan your modular home purchase.
- Mortgage Calculator
- Get Pre-Qualified
Reference
Glossary, policies, and company information.
- Financing Glossary
- About ModFii
- Editorial Policy
Browse by State
Explore state-specific programs, FHA loan limits, USDA eligibility, and local regulations for modular home financing.
Browse by Manufacturer
Find lenders familiar with your preferred modular home builder and understand financing requirements by brand.
Why Most Banks Reject Modular Home Loans
Construction Loans
Finance your build from foundation to finish
FHA Loans
Low down payment options for modular homes
Financing Without Land
Options when you don’t own property yet
ADU Financing
Finance your accessory dwelling unit
Modular Home Costs
Complete breakdown of what to expect
VA Loans
$0 down for eligible veterans
Not Sure Where to Start?
Get matched with lenders who specialize in modular and prefab home financing. Pre-qualification takes just 2 minutes with no impact to your credit.