USDA Loans for Manufactured Homes in Kentucky | Mobile Homes, Single-Wide & Double-Wide
Can You Get a USDA Loan on a Manufactured Home in Kentucky?
Yes. Kentucky homebuyers can now finance manufactured homes, mobile homes, single-wide homes, and double-wide homes using USDA Rural Housing loans with little to no money down. If you're searching for affordable housing options in Kentucky, USDA manufactured home financing has never been more accessible.
Kentucky USDA Manufactured Home Update 2025–2026
As of 2025, the USDA Rural Development Single-Family Housing Guaranteed Loan Program expanded its eligible properties to include certain existing (used) manufactured homes across Kentucky. This major policy shift means more homebuyers than ever can qualify for USDA financing on mobile homes and manufactured homes statewide.
Important:
These updated guidelines are expected to remain in effect through 2026, but eligibility must be verified on a case-by-case basis at the time of application. Property rules and individual lender overlays may apply.
USDA Manufactured Home Loans in Kentucky: What You Need to Know
Requirements for USDA Financed Manufactured Homes
To qualify for a USDA loan on a manufactured or mobile home in Kentucky, the property must meet these essential criteria:
Property Standards:
- Built to HUD Manufactured Home Construction and Safety Standards (manufactured after June 15, 1976)
- Permanently affixed to a foundation (not mobile or temporary)
- Titled and taxed as real estate (not personal property)
- Located in a USDA-eligible rural or small-town area in Kentucky
- Used as your primary residence
Financing Requirements:
- Both the manufactured home AND the land must be financed together under the same USDA loan
- No separate land/home financing allowed
- The home must be permanently installed on the property
USDA Mobile Home & Manufactured Home Types in Kentucky
Single-Wide Manufactured Homes
Can you buy a single-wide manufactured home with a USDA loan in Kentucky?
Possibly. Single-wide manufactured homes may qualify if they meet HUD code standards, minimum size requirements, permanent foundation rules, and are titled as real estate. However, some Kentucky lenders restrict single-wide approvals due to property value and marketability concerns. Working with a Kentucky USDA specialist is essential to navigate lender overlays and maximize your approval chances.
Double-Wide Manufactured Homes
Are double-wide manufactured homes eligible for USDA loans?
Yes. Double-wide manufactured homes are commonly approved under USDA loans in Kentucky when they meet HUD standards, property appraisal requirements, and are located in USDA-eligible rural areas. Double-wides typically have better approval rates than single-wide homes due to higher market values and construction standards.
Mobile Homes & Trailers
Can USDA loans be used for trailers or older mobile homes?
Only HUD-code manufactured homes built after June 15, 1976 may qualify for USDA financing. Older mobile homes, trailers, or non-HUD-compliant homes that are not permanently installed or not titled as real estate are not eligible for USDA loans.
Frequently Asked Questions: Kentucky USDA Manufactured Home Loans
Do USDA Manufactured Home Loans in Kentucky Require a Down Payment?
No. USDA loans offer 100% financing, meaning eligible Kentucky borrowers can purchase an approved manufactured or mobile home with zero down payment. This makes homeownership affordable for first-time buyers and repeat buyers alike.
Does the Land Have to Be Included with the Manufactured Home?
Yes. USDA loans must finance both the manufactured home and the land together as one property. The home must be permanently installed on the site and classified as real property (not personal property).
What Credit Score Is Needed for a USDA Manufactured Home Loan in Kentucky?
USDA does not set a strict minimum credit score requirement, but most Kentucky lenders require a minimum 640 credit score for automated approval. Your overall credit history, debt-to-income ratio, income verification, and property eligibility are reviewed together to determine approval.
Does USDA Finance Used or Existing Manufactured Homes?
Yes. Under the 2025 USDA guidelines, certain existing (used) manufactured homes now qualify if they meet HUD construction standards, are permanently installed on a foundation, titled as real estate, and meet condition requirements. Lender overlays may still apply. Pre-approval is strongly recommended before making an offer.
Are USDA Manufactured Home Loans Only for First-Time Buyers?
No. USDA loans are available to both first-time homebuyers and repeat buyers in Kentucky, as long as you meet income limits, credit guidelines, property requirements, and occupy the home as your primary residence.
Kentucky USDA Income Limits & Property Eligibility
Before shopping for a manufactured home, confirm your eligibility with these critical steps:
- Check Property Eligibility: Use the USDA Property Eligibility Map to verify your desired property location qualifies as a rural area.
- Review Kentucky Income Limits: Income limits vary by county in Kentucky. Visit our Kentucky USDA Income Limits page to confirm you qualify.
- Get Pre-Approved: Start your free Kentucky USDA pre-approval before making an offer to avoid delays and confirm your buying power.
Get Pre-Approved for a USDA Manufactured Home Loan in Kentucky
The most important step before shopping for a manufactured home is confirming eligibility and getting pre-approved. This protects you from making an offer on an ineligible property and gives you negotiating power with sellers.
Why Pre-Approval Matters:
- Confirms your buying power and approved loan amount
- Verifies property eligibility before you make an offer
- Speeds up the closing process
- Shows sellers you're a serious, qualified buyer
- Identifies any credit or income issues early
Start your free Kentucky USDA pre-approval today with no obligation. Our team offers same-day pre-approvals and personalized guidance through every step of the process.
Work with a Kentucky USDA Specialist
Financing a manufactured home requires working with a lender who understands USDA guidelines, Kentucky rural area definitions, and manufactured home appraisal standards. With over 20 years of experience helping Kentucky families finance manufactured homes and mobile homes, we know the ins and outs of USDA lending in the Bluegrass State.
We specialize in:
- USDA Rural Housing Loans (all property types)
- Single-wide & double-wide manufactured home financing
- Used manufactured home loans
- FHA, VA, KHC, and Fannie Mae programs
- Fast same-day pre-approvals
- Free mortgage applications
Contact Your Kentucky USDA Loan Specialist
Ready to explore USDA financing for a manufactured home in Kentucky? Let's get started.
Joel Lobb
Mortgage Loan Officer – Kentucky USDA & Manufactured Home Expert
Kentucky Mortgage Loan Officer
NMLS Personal ID: 57916
Company NMLS ID: 1738461
Verify at: www.nmlsconsumeraccess.org
Equal Housing Lender