CapCenter can finance double wide manufactured homes for ZERO Closing Costs on loan amounts $100,000 and above. Flexible financing options are available for FHA, VA, and Conventional loans.

Overview of Double Wide Manufactured Homes

Double wide manufactured homes are becoming a popular alternative to the traditional "attached" single-family home. These homes offer an affordable home buying option with prices generally ranging from $80,000 to $200,000 depending on location.

What is a manufactued home?

Most manufactured homes look and feel like a traditional home. The key difference is that the home was built off-site and permanently attached to the land. This definition does not include mobile homes, which can be transported to a new lot. Manufactured homes are classified as single-wide or double-wide depending on size.

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Key features of a double wide manufactured home include:

  • Built after June 15, 1976
  • Wider than 18 feet
  • Build off-site (in a factory) and permanently attached to the land
  • Transport features (towing hitch, wheels, axles, etc.) are removed from the structure.
  • Is certified by HUD through a HUD data plate or HUD certification label

Single wide versus double wide

The key differentiator between single wide and double wide manufactured homes is size. According to the Manufactured Housing Institute, double wides are typically about twice the size as single wides and tend to be more exensive:

Double wide averages:

  • Size range: 1,000 - 2,300 square feet
  • Average cost: $159,000

Single wide averages:

  • Size range: 500 - 1,300 square feet
  • Average cost: $86,000

Where can I find manufactured homes for sale?

Manufactured homes are common in states like North Carolina, South Carolina, and Georgia. You can search manufactured homes for sale using the CapCenter Home Search tool. Click any of the links below to search double wide homes for sale in your state.

Double Wide Financing Options

CapCenter offers three loan financing options for double wide manufactured homes: FHA loans, VA loans, and Conventional loans. All financing options are eligible for ZERO Closing Costs, subject to limitations.

FHA Manufactured Home Loan

FHA loans are a popular option for manufactured home financing due to their low required down payment compared to Conventional loans.

FHA manufactured home loan requirements include, but are not limited to:

  • Minimum credit score of 640
  • Minimum down payment of 3.5%
  • Maximum debt-to-income of 50%

VA Manufactured Home Loan

VA loans can be used to finance manufactured homes for qualifying active duty US Military, veterans, and surviving spouses.

VA manufactured home loan requirements include, but are not limited to:

  • Minimum credit score of 620
  • No down payment required
  • Maximum debt-to-income of 55%

Conventional Manufactured Home Loan

Conventional loans can also be used to finance manufactured homes. A Conventional loan may be a good option if you plan to make a larger down payment to avoid mortgage insurance.

Conventional manufactured home loan requirements include, but are not limited to:

  • Minimum credit score of 620
  • Minimum down payment of 5%
  • Maximum debt-to-income of 50%