Estimate your full monthly payment and the cash you need to close on a manufactured, modular, or mobile home, across FHA, VA, USDA, and Conventional programs and loan terms from 10 to 30 years.
The Manufactured Nationwide loan calculator estimates your full monthly payment and your cash to close for FHA, VA, USDA, and Conventional manufactured home loans, across loan terms of 10, 15, 20, 25, and 30 years. It is built for manufactured and modular homes taxed as real property and permanently affixed to land, which is what makes its numbers more accurate than a generic mortgage calculator.
It calculates your full monthly payment (principal, interest, taxes, insurance, mortgage insurance, and any lot or HOA fee) and your estimated cash to close at the same time.
Switch between VA, USDA, FHA, and Conventional. The minimum down payment auto-sets to each program: 0 percent on VA and USDA, 3.5 percent on FHA, and 5 percent on Conventional.
Compare 10, 15, 20, 25, and 30 year terms. Manufactured home loan terms vary more than site-built, so the term you pick changes your payment meaningfully.
We finance manufactured and modular homes taxed as real property and permanently affixed to owned land. We do not offer chattel loans or financing on rented-lot or mobile-home-park homes.
VA and USDA allow up to 100 percent financing for qualified borrowers. Qualified borrowers may also add up to $50,000 through our exclusive Mortgage Client Consumer Loan.
The calculator is illustrative and not a quote or prequalification. For your real numbers, check eligibility in 60 seconds with no credit pull, or call our team 7 days a week.
Get Your Real NumbersNo credit pull. No obligation. Spanish-speaking bankers available 7 days a week.
Step 1: Choose the loan program you want, then enter your details below.
Home and Loan Details
Cash-to-Close Details
| Loan Term | Monthly P&I | Total Interest Paid | Total Paid |
|---|---|---|---|
| 10 years | $2,871 | $94,472 | $344,472 |
| 15 years | $2,212 | $148,209 | $398,209 |
| 20 years | $1,901 | $206,218 | $456,218 |
| 25 years | $1,727 | $268,184 | $518,184 |
| 30 years | $1,621 | $333,738 | $583,738 |
Illustrative principal and interest on a $250,000 loan at an example rate of 6.75 percent. A shorter term raises the monthly payment but cuts total interest substantially. The 10 year term costs about $1,250 more per month than the 30 year, but saves roughly $239,000 in interest over the life of the loan. Figures are for education only and are not a quote, prequalification, or commitment to lend. Your actual rate and payment are set at prequalification.
Discover how much you can afford with our advanced Manufactured Home Loan Calculator. Calculate your monthly payment now by adjusting rates, terms, down payment, PMI (if applicable), and other settings. After you've calculated your ideal loan amount, reach out to us for current rates and explore the hundreds of loan options we offer.
At Manufactured Nationwide, we lend up to 100% for manufactured, modular, and over 12 other property styles in all 50 states. We offer qualified borrowers up to $50,000 extra through our exclusive Mortgage Client Consumer Loan™, available before, at, or after closing. This advantage you won't find elsewhere—imagine using these separate funds to:
Pay down high-interest credit card debt, enabling you to qualify for a larger amount
Furnish your home
Add an additional tiny home on the same land
Use the funds however you wish
Continue scrolling below for further details on our manufactured and mobile home loan calculator.
✅ Adjustable Inputs for Precise Estimates: Modify rates, down payments, loan terms, PMI, taxes, insurance, and more to factor in all aspects of your loan payment.
✅ Compare Multiple Loan Scenarios: Adjust inputs as often as you need and download full amortization schedules.
✅ User-Friendly Interface: Optimized for both desktop and mobile devices, ensuring a seamless experience.
✅ Instant Calculations: Get real-time results with no waiting.
✅ Explore Various Loan Options: Adjust settings for VA, FHA, USDA, and conventional loan options.
Enter the Loan Amount: Specify the total amount you wish to borrow and check your county loan limits.
Select the Interest Rate: Choose an interest rate based on current market rates or your pre-qualified rate.
Choose the Loan Term: Select the duration of your loan (e.g., 15, 20, 30 years).
Input Down Payment Amount: Enter the amount you plan to put down.
Include Property Taxes and Insurance: Add estimated costs for property taxes and home insurance for a comprehensive monthly payment estimate.
Review Your Monthly Payment: Instantly see your estimated monthly payment and adjust variables as needed.
Recognized as the #1 Manufactured Home Loan Lender by Investopedia for 5 consecutive years
Loans up to 100% for manufactured, modular, and over 12 other property styles
Exclusive Offer: Up to $50,000 extra through our Mortgage Client Consumer Loan™*
Consistently Rated Five Stars for exceptional commitment to service
Over 100 Years of Combined Experience in the manufactured home loan industry
Veteran-Owned, FDIC Insured, 50-State Bank means we have you covered nationwide
Understanding your financing options is crucial when purchasing a manufactured, modular, or mobile home. Using our manufactured and mobile home payment calculator is only one part of the process, finding the right loan type helps determine your rate, term, and options. We offer the following:
Ideal for borrowers with lower down payments who don't qualify for VA or USDA loans. Features include streamline refinancing if rates improve, with no re-appraisal or income verification required. We allow FHA loans on new purchases, construction, and cash out refinance programs.
Exclusive to veterans and active-duty military members. Offers 100% financing, no mortgage insurance, and a VA streamline refinance option with no re-appraisal or income verification if the market improves. We allow VA loans on new purchases, construction, and refinance programs. Check out our up to date 2026 Nationwide VA Standards for Manufactured Homes, it covers changes in all 50 states.
Our USDA loans allow manufactured homes that are pre-existing doublewides or larger on land, or new from a dealer, retailer, or manufacturer, or brand new and already permanently fixed on land as a purchase. If you already own land with equity available, you may qualify for a better construction option with us under our Manufactured or Modular Hybrid Construction, OTC or Two-Time Close option. Land equity can be applied towards down payment.
Competitive rates for qualified borrowers. Best for down payments of 20% or more to avoid PMI. No streamline refinance option available. We allow conventional loans on new purchases, construction, and refinance programs.
Required when financing the home without land, in a mobile home park where you do not own the land, or not permanently being fixed to land you own. We do not offer chattel loans, as we only finance mortgage loans for property that is taxed as real property, without this designation, they are disqualified from traditional mortgage programs. These loans also come with shorter loan terms and higher interest rates then what we can offer when you choose to buy one of these homes fixed to land.
After you calculate your mortgage payment and determine the loan amount you can afford, give us a call. For the fastest service, complete an eligibility request, and let us get right to work for you. We're available 24/7 to help pre-qualify you for the perfect loan.
The monthly payment on a manufactured or mobile home depends on the loan amount, interest rate, loan term, property taxes, insurance, and any mortgage insurance. Use the calculator on this page to estimate a full payment based on your program and term.
Your qualification amount depends on credit, income, debt-to-income ratio, and down payment. The calculator estimates a comfortable payment, and a banker can confirm a personalized qualification amount with no credit pull.
Manufactured homes are built entirely in a factory on a permanent chassis and carry a HUD label and VIN. Modular homes are also factory built but are assembled on site on a permanent foundation and are usually taxed as real property. Both can qualify for financing when affixed to owned land as real property.
Yes. We can finance up to 100% VA manufactured home loans for properties that meet program requirements, including new purchase, new construction, and refinance. VA also allows up to 100 percent financing with no monthly mortgage insurance for eligible Veterans.
Options include FHA, VA, USDA, and Conventional mortgages on homes taxed as real property and permanently affixed to owned land. We do not offer chattel loans, which finance a home on leased land or in a park.
Down payment varies by program. VA and USDA can allow zero down for qualified borrowers, FHA manufactured loans starts at 3.5 percent, and Conventional starts at 5 percent. The calculator auto-sets the minimum when you choose a program.
A chattel loan is a personal property loan used to finance a manufactured home that is not classified as real property, such as a home on leased land or in a park. We do not offer chattel loans. Owning land and affixing the home as real property often qualifies for a lower-cost mortgage instead.
To qualify for a mortgage, the home must ultimately be on owned land and permanently affixed and taxed as real property. You may already own the land, buy land and home together, or build new from a dealer with land included.
When a manufactured home is financed as real property, pricing is often only a small adjustment from a site-built home. We offer competitive options across FHA, VA, USDA, and Conventional, and a banker can review which fits your file.
Closing costs typically include appraisal, credit, origination, and title fees and generally range from 2 to 5 percent of the loan amount. They may sometimes be reduced or structured on a purchase, refinance, or construction loan.
Yes, in certain cases, primarily through VA financing, where the home has been moved only once, is permanently affixed to land taxed as real property, and has an engineering certificate. Homes that do not meet these conditions may require a chattel loan, which we do not offer.
Credit requirements vary by program and typically start around 580. Some programs allow lower scores, and certain streamline refinances may not require a credit score if you already hold an FHA or VA loan on the property.
A lower interest rate reduces both your monthly payment and the total cost of the loan. Enter different rates in the calculator to see the effect on principal and interest.
Yes. Many programs allow you to finance the home and land together, or to apply equity in land you already own. A banker can structure the option that fits your situation.
Home prices vary by size, style, and setup. As a lender we provide financing rather than home pricing, so the cost of the home is set by the dealer, manufacturer, or seller you choose.
Disclaimers:
All payment and interest rate calculations are estimates; there could be variations in mortgage insurance, homeowners insurance, taxes, fees, and rates based upon credit score and loan program selected. Information provided on this page is for educational and informational purposes. Use of this calculator is not a loan approval, nor does it indicate whether the selected terms are available.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*Important: We do not offer financing for homes on rented land or in mobile home parks. For family land, financing is only available if the property is on a separate parcel with no other property, and the borrower must be on the title to that land. Financing is available only for properties permanently affixed to owned land at closing, except for new construction projects. New Dealer Manufactured Home Loans are not available in New York. Modular and site-built land/home construction loans are available in all 50 states.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
©2018-2026 BuildBuyRefi & BuildBuyRefi.com - Do not copy. All rights reserved.
Member FDIC. Equal Housing Lender NMLS# 411500 | A+ Better Business Bureau Rating
