source:
  type: regulation
  id: usda-7cfr-3555.208
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208 — Special requirements
    for manufactured homes
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.208 Special requirements
    for manufactured homes. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.208-full
  canonical_id: usda-7cfr-3555.208-full
  section: 7 CFR §3555.208
  description: 'Special requirements for manufactured homes: Loans may be guaranteed for manufactured homes if all
    the requirements in this section are met.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: Loans may be guaranteed for manufactured homes if all the requirements in this section are
      met.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 (whole section) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-a
  canonical_id: usda-7cfr-3555.208-a
  section: 7 CFR §3555.208(a)
  description: 'Special requirements for manufactured homes — (a): (a) Eligible costs. In addition to the loan purposes
    described in &#xA7; 3555.101, Rural Development may guarantee a loan used for the following purposes related
    to manufactured homes when a real estate mortgage covers both the unit and the site: (1) Purchase of a new manufactured
    home, transportati…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(a) Eligible costs. In addition to the loan purposes described in &#xA7; 3555.101, Rural Development
      may guarantee a loan used for the following purposes related to manufactured homes when a real estate mortgage
      covers both the unit and the site: (1) Purchase of a new manufactured home, transportation, permanent foundation,
      and installation costs of the manufactured home, and purchase of an eligible site if not already owned by
      the applicant; and (2) Site development work properly completed to HUD, state and local government standards,
      as well as the manufacturer''s requirements for installation on a permanent foundation. (3) An existing unit
      and site, provided:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-i
  canonical_id: usda-7cfr-3555.208-i
  section: 7 CFR §3555.208(i)
  description: 'Special requirements for manufactured homes — (i): (i) The unit was constructed in conformance with
    the Federal Manufactured Home Construction and Safety Standards (FMHCSS) as evidenced by both an affixed HUD
    Certification label and HUD Data Plate; and (ii) The unit was installed on a permanent foundation in accordance
    with the manufacturer''s requir…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (i) The unit was constructed in conformance with the Federal Manufactured Home Construction
      and Safety Standards (FMHCSS) as evidenced by both an affixed HUD Certification label and HUD Data Plate;
      and (ii) The unit was installed on a permanent foundation in accordance with the manufacturer's requirements
      and HUD installation standards. Certification of a proper foundation is required; and (iii) The unit has not
      been previously installed on a different homesite, or had any alterations since construction in the factory,
      except for porches, decks or other structures which were built to engineered designs or were approved and
      inspected by local code officials; and (iv) The unit was constructed on or after a date determined by the
      Agency.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (i) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-b
  canonical_id: usda-7cfr-3555.208-b
  section: 7 CFR §3555.208(b)
  description: 'Special requirements for manufactured homes — (b): (b) Loan restrictions. The following loan restrictions
    are in addition to the loan restrictions contained in &#xA7; 3555.102: (1) A loan will not be guaranteed if
    it is used to purchase a site without also financing a new unit. (2) A loan will not be guaranteed if it is
    used to purchase furniture, i…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(b) Loan restrictions. The following loan restrictions are in addition to the loan restrictions
      contained in &#xA7; 3555.102: (1) A loan will not be guaranteed if it is used to purchase a site without also
      financing a new unit. (2) A loan will not be guaranteed if it is used to purchase furniture, including but
      not limited to: movable articles of personal property such as drapes, beds, bedding, chairs, sofas, divans,
      lamps, tables, televisions, radios, and stereo sets. Furniture does not include wall-to-wall carpeting, refrigerators,
      ovens, ranges, washing machines, clothes dryers, heating or cooling equipment, or other similar items. (3)
      A loan will not be guaranteed to purchase an existing manufactured home and site unless:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-i
  canonical_id: usda-7cfr-3555.208-i
  section: 7 CFR §3555.208(i)
  description: 'Special requirements for manufactured homes — (i): (i) The unit and site are already financed with
    an Agency direct single family or guaranteed loan; (ii) The unit and site are being sold by Rural Development
    as REO property; (iii) The unit and site are being sold from the lender''s inventory, and the loan for which
    the unit and site served as securi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(i) The unit and site are already financed with an Agency direct single family or guaranteed
      loan; (ii) The unit and site are being sold by Rural Development as REO property; (iii) The unit and site
      are being sold from the lender''s inventory, and the loan for which the unit and site served as security was
      a loan guaranteed by Rural Development; or (iv) The existing manufactured home meets all of the following
      requirements: (A) The unit was 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; (B) The
      unit was installed on a permanent foundation complying with manufacturer and HUD installation standards. The
      foundation design meets HUD standards for manufactured housing; (C) The unit has not had any alterations or
      modifications since construction in the factory, except for porches, decks or other structures which were
      built to engineered designs or were approved and inspected by local code officials; and (D) The unit was constructed
      on or after a date determined by the Agency. (4) A loan will not be guaranteed for repairs to an existing
      unit, unless the unit meets the requirements of &#xA7; 3555.208(b)(3). (5) A loan will not be guaranteed for
      the purchase of an existing manufactured home that has been moved from another site.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (i) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-c
  canonical_id: usda-7cfr-3555.208-c
  section: 7 CFR §3555.208(c)
  description: 'Special requirements for manufactured homes — (c): (c) Construction and development. (1) To be an
    eligible unit, the new unit must have a floor space of not less than 400 square feet. (2) The unit must be properly
    installed on a permanent foundation according to HUD standards, and the manufacturer''s requirements for installation
    on a permanent found…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (c) Construction and development. (1) To be an eligible unit, the new unit must have a floor
      space of not less than 400 square feet. (2) The unit must be properly installed on a permanent foundation
      according to HUD standards, and the manufacturer's requirements for installation on a permanent foundation.
      A certification of proper foundation is required. (3) All wheels, axles, towing hitches and running gear must
      be removed from the manufactured home. (4) Unit construction must conform to the Federal Manufactured Home
      Construction and Safety Standards (FMHCSS) and be constructed in compliance with the HUD heating and cooling
      requirements for the State in which the unit will be located. Any alterations, such as garage construction,
      as a new unit must comply with FMHCSS. (5) The site development, installation and set-up must conform to the
      HUD requirements and the manufacturer's requirements for a permanent installation. (6) The unit must meet
      or exceed the IECC in effect at the time of construction. (7) The lender must maintain documentation of construction
      plans and required certifications.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (c) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-d
  canonical_id: usda-7cfr-3555.208-d
  section: 7 CFR §3555.208(d)
  description: 'Special requirements for manufactured homes — (d): (d) Warranty requirements. (1) The applicant
    must receive a warranty in accordance with HUD requirements for new manufactured homes on permanent foundations.
    (2) The warranty must identify the unit by serial number. (3) The lender and applicant must obtain certification
    that the manufactured home ha…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (d) Warranty requirements. (1) The applicant must receive a warranty in accordance with HUD
      requirements for new manufactured homes on permanent foundations. (2) The warranty must identify the unit
      by serial number. (3) The lender and applicant must obtain certification that the manufactured home has sustained
      no hidden damage during transportation and, if manufactured in separate sections that the sections were properly
      joined and sealed according to the manufacturer's specifications. (4) The manufactured home must be affixed
      with a data plate, placed inside the unit, and a certification label, affixed to each transportable section
      at the tail-light end of each unit which indicates that the home was designed and built in accordance with
      HUD's construction and safety standards in effect on the date the home was manufactured. (5) The lender must
      retain a copy of all manufacturers' warranties in the lender file.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (d) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-e
  canonical_id: usda-7cfr-3555.208-e
  section: 7 CFR §3555.208(e)
  description: 'Special requirements for manufactured homes — (e): (e) HUD requirements. The FMHCSS and HUD requirements
    may be found in 24 CFR part 3280.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (e) HUD requirements. The FMHCSS and HUD requirements may be found in 24 CFR part 3280.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (e) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.208-f
  canonical_id: usda-7cfr-3555.208-f
  section: 7 CFR §3555.208(f)
  description: 'Special requirements for manufactured homes — (f): (f) Title and lien requirements. To be eligible
    for the SFHGLP, the following conditions must be met and documented in the lender''s file: (1) A manufactured
    home loan must be secured by a perfected lien on real property consisting of the manufactured home and the land;
    (2) The manufactured home must…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.208
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(f) Title and lien requirements. To be eligible for the SFHGLP, the following conditions must
      be met and documented in the lender''s file: (1) A manufactured home loan must be secured by a perfected lien
      on real property consisting of the manufactured home and the land; (2) The manufactured home must be taxed
      as real estate as applicable under State law, including relevant statutes, regulations, and judicial decisions;
      (3) The security instrument must be recorded in the land records and must identify the encumbered property
      as including both the home and the land; (4) If applicable State law so permits, any certificate of title
      to the manufactured home must be surrendered to the appropriate State government authority. If the certificate
      of title cannot be surrendered, the lender must indicate its lien on the certificate; (5) The mortgage must
      be covered by a standard real property title insurance policy and any other endorsement required in the applicable
      jurisdiction for manufactured home ensuring the manufactured home is part of the real property that secures
      the loan; and (6) The borrower must acknowledge the unit is a fixture and part of the real estate securing
      the mortgage. [78 FR 73941, Dec. 9, 2013, as amended at 81 FR 6429, Feb. 8, 2016; 90 FR 203, Jan. 3, 2025]'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.208 subsection (f) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
