USDA Home Loans in Arizona Now Covers Existing Manufactured Homes – What Buyers Need to Know

If you’re looking to buy a manufactured home in rural Arizona, there’s great news! USDA just expanded its home loan program to include existing manufactured homes, making homeownership even more accessible for buyers in qualifying Arizona rural areas.

What Changed? USDA’s New Rules for Manufactured Home Loans in Arizona

USDA home loans have always been a great zero-down financing option, but until now, they only covered brand-new manufactured homes (built within 12 months of closing).

As of March 4, 2025, the USDA will allow financing for:

• Existing manufactured homes built on or after January 1, 2006

• Homes that meet federal safety & quality standards (FMHCSS)

• Manufactured homes installed on permanent HUD-compliant foundations

Can I Use a USDA Loan to Buy a Manufactured Home in Arizona?

Yes! If you’re buying in an eligible rural area in Arizona, you may qualify for a zero-down USDA loan for a manufactured home, as long as it meets these requirements:

• The home must be built after January 1, 2006

• It must be on a permanent foundation (HUD standards)

• It must pass a structural engineering inspection

• It must meet safety & quality standards set by the USDA

Some of the top rural areas in Arizona where USDA loans apply include:

• Prescott Valley

• Maricopa

• Sahuarita

• Show Low

• Cottonwood

(Use the USDA property eligibility map to check if a home qualifies.)

Why USDA Loans Are Great for Arizona Homebuyers

any Arizona homebuyers choose USDA loans because they offer 100% financing, meaning no down payment required! Here’s why this update is a game changer:

• More Affordable Housing Options – You no longer need a brand-new home to qualify for USDA financing.

• Zero Down Payment – USDA loans still require no down payment, making homeownership more accessible.

• Lower Interest Rates – USDA loans offer competitive mortgage rates, often lower than conventional loans.

• Expanded Inventory – Buyers now have more choices in Arizona’s rural housing market.

How Do I Know If I Qualify for a USDA Loan in Arizona?

• To qualify for a USDA manufactured home loan in Arizona, you must:

• Buy in a USDA-eligible rural area (Prescott Valley, Maricopa, Show Low, and more)

• Have a credit score of at least 640 (some lenders may allow lower scores)

• Meet income limits based on your county (USDA loans are for low-to-moderate-income buyers)

• Choose a home that meets the new USDA manufactured home guidelines

How to Apply for a USDA Manufactured Home Loan in Arizona

If you’re ready to buy a manufactured home in Arizona with a USDA loan, follow these steps:

1. Check Your Eligibility – Verify that your income and location meet USDA requirements.

2. Find a USDA-Approved Lender in Arizona– Work with a lender that specializes in USDA home loans.

3. Get Pre-Approved – A USDA lender will review your credit, income, and loan eligibility.

4. Choose a Qualifying Manufactured Home – The home must be built after 2006 and meet HUD foundation standards.

5. Close on Your Home – Once approved, you’ll move forward with the purchase and USDA financing.

Get Expert Guidance on USDA Manufactured Home Loans

The new USDA loan updates make it easier than ever to buy a manufactured home in rural Arizona with zero down payment. If you’re looking for affordable homeownership options, now is the time to explore USDA financing in Arizona.

Want to see if you qualify? Schedule a Discovery Call with Nikki https://mortgagesbynikki.com/discoverycall