source:
  type: regulation
  id: usda-hb-3555-13.10
  authority: USDA Technical Handbook HB-1-3555 §13.10 — Loan Restrictions
  description: "USDA HB-1-3555 §13.10 (Loan Restrictions). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-13.10-0
  canonical_id: usda-hb-3555-13.10-0
  section: USDA HB-1-3555 13.10 — Loan Restrictions
  description: '13.10 Loan Restrictions: AN RESTRICTIONS The Agency will not guarantee loans to finance the following:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.10 — Loan Restrictions
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 'AN RESTRICTIONS The Agency will not guarantee loans to finance the following:'
    drafter_attestation: Verbatim from HB-1-3555 §13.10 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-13.10-1
  canonical_id: usda-hb-3555-13.10-1
  section: USDA HB-1-3555 13.10 — Loan Restrictions
  description: '13.10 Loan Restrictions: 10-12-23) PN 594 Guidance documents lack the force and effect of law, unless
    expressly authorized by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance
    that is not available through their guidance portal, except to establish historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.10 — Loan Restrictions
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 10-12-23) PN 594 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. x The purchase of a unit without an eligible
      site. x The purchase of an existing unit that was not constructed in conformance with the Federal Manufactured
      Home Construction and Safety Standards (FMHCSS) as evidenced by an affixed HUD Certification label and HUD
      Data Plate x The existing unit was not installed on a permanent foundation complying with manufacturer and
      HUD installation standards. x Furniture, including movable articles of personal property such as drapes, beds,
      bedding, chairs, sofas, divans, lamps, tables, televisions, radios, stereo sets, and other similar items of
      personal property. Furniture does not include wall-to-wall carpeting, refrigerators, ovens, ranges, washing
      machines, clothes dryers, heating or cooling equipment, or other similar equipment. x Additions and modifications
      on new or existing units are prohibited except for porches, decks, or other structures built to engineered
      designs and inspected and approved by a local building code official. x Purchase of a unit to be moved from
      a site other than the manufacturer/dealer lot to the site securing the mortgage loan. x Existing manufactured
      home units with a manufacture date exceeding 20 years from the date of loan closing unless the unit and site
      are already financed with a Section 502 loan. x A unit with a tow hitch or running gear remaining.
    drafter_attestation: Verbatim from HB-1-3555 §13.10 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
