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Manufactured Home Loan Program (Title I) is sponsored by U.S. Department of Housing and Urban Development (HUD) / Federal Housing Administration (FHA). This program insures mortgage loans made by private lending institutions to finance the purchase or refinance of new or used manufactured homes, manufactured home lots, or a combination of both.
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Manufactured Home Loan Program (Title I) | HUD. gov / U.S. Department of Housing and Urban Development (HUD) Manufactured Home Loan Program (Title I) Manufactured Home Loan Program (Title I) This program insures mortgage loans made by private lending institutions to finance the purchase or refinancing of a new or used manufactured home. HUD has been providing loan insurance on manufactured homes under Title I since 1969.
By protecting mortgage lenders against the risk of default, HUD's participation has encouraged them to finance manufactured homes, which had traditionally been financed as personal property through comparatively high-interest, short-term consumer installment loans.
The program thereby increases the availability of affordable financing and mortgages for buyers of manufactured homes and allows buyers to finance their home purchase at a longer term and lower interest rate than with conventional loans. The program insures lenders against loss from default on loans. The buyer must agree to make the required downpayment and meet credit guidelines.
The interest rate is negotiated between the borrower and the lender. The borrower pays an upfront insurance premium, along with an annual premium based on the declining balance of the loan. The maximum loan term is 20 years and 32 days for a single unit manufactured housing loan.
Private lending institutions are eligible for insurance on loans made under the program. All buyers who meet credit requirements and plan to use the manufactured home as their principal place of residence, are eligible for the program. Buyers of manufactured homes may apply for a loan through a HUD-approved lender or through a lender's approved manufactured home dealer.
The program is authorized under Title I, Section 2 of the National Housing Act (12 U.S.C. 1703). Program regulations are in 24 CFR Part 201.
For more information contact the National Help Desk at (800) CALL-FHA. To learn more about the design, construction, and installation of manufactured housing, including how to file a complaint about the home or to gain information on missing HUD labels or on regulations visit Manufactured Housing web page or the Manufactured Housing Institute website.
Based on current listing details, eligibility includes: Buyers who meet credit requirements and plan to use the manufactured home as their principal place of residence; loans obtained through HUD-approved lenders or approved manufactured home dealers. Applicants should confirm final requirements in the official notice before submission.
Current published award information indicates Varies based on loan limits and borrower qualifications Always verify allowable costs, matching requirements, and funding caps directly in the sponsor documentation.
The current target date is rolling deadlines or periodic funding windows. Build your timeline backwards from this date to cover registrations, approvals, attachments, and final submission checks.
Federal grant success rates typically range from 10-30%, varying by agency and program. Build a strong proposal with clear objectives, measurable outcomes, and a well-justified budget to improve your chances.
Requirements vary by sponsor, but typically include a project narrative, budget justification, organizational capability statement, and key personnel CVs. Check the official notice for the complete list of required attachments.
Yes — AI tools like Granted can help research funders, draft proposal sections, and check compliance. However, always review and customize AI-generated content to reflect your organization's unique strengths and the specific requirements of the solicitation.
Review timelines vary by funder. Federal agencies typically take 3-6 months from submission to award notification. Foundation grants may be faster, often 1-3 months. Check the program's timeline in the official solicitation for specific dates.
Many federal programs offer multi-year funding or allow competitive renewals. Check the official solicitation for continuation and renewal policies. Non-competing continuation applications are common for multi-year awards.
NRA School Shield Grant Program is a grant from The NRA Foundation that funds security improvements at K-12 schools across the United States. Administered by the NRA Foundation, a 501(c)(3) charitable organization, this program provides financial assistance to public and private K-12 schools seeking to upgrade safety infrastructure and implement security measures. Eligible applicants include schools that are government-owned, incorporated as nonprofits, or hold an IRS 501(c) determination letter. The annual application deadline is August 1. Grant amounts vary based on project scope and need. Schools must demonstrate how requested funds will directly improve the safety and security of their campus and student population.
Farm to School Implementation Grant is sponsored by USDA Food and Nutrition Service. This program aims to increase the availability of local foods in schools and connect students to the sources of their food through education, taste tests, school gardens, field trips, and local food sourcing for school meals. Projects should incorporate both local sourcing and agricultural education efforts.
The Homeless Youth Program is a grant from the Illinois Department of Human Services that funds services for homeless and at-risk youth across Illinois. Administered through the Office of Community and Positive Youth Development, it supports nonprofit organizations delivering shelter, outreach, and support services to young people experiencing homelessness or housing instability. Eligible applicants are Illinois-based nonprofits with demonstrated capacity to serve youth. Awards range from $100,000 to $800,000 per year under CSFA number 444-80-0711. This is a FY 2026 funding opportunity with an application deadline of May 21, 2025.