source:
  type: regulation
  id: usda-hb-3555-13.9
  authority: USDA Technical Handbook HB-1-3555 §13.9 — Authorized Loan Purposes
  description: "USDA HB-1-3555 §13.9 (Authorized Loan Purposes). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-13.9-0
  canonical_id: usda-hb-3555-13.9-0
  section: USDA HB-1-3555 13.9 — Authorized Loan Purposes
  description: '13.9 Authorized Loan Purposes: THORIZED LOAN PURPOSES The following are eligible loan purposes for
    the financing of manufactured homes:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.9 — Authorized Loan Purposes
    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: 'THORIZED LOAN PURPOSES The following are eligible loan purposes for the financing of manufactured
      homes:'
    drafter_attestation: Verbatim from HB-1-3555 §13.9 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-13.9-1
  canonical_id: usda-hb-3555-13.9-1
  section: USDA HB-1-3555 13.9 — Authorized Loan Purposes
  description: '13.9 Authorized Loan Purposes: 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 §13.9 — Authorized Loan Purposes
    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 Site development work that conforms
      to the standards imposed by the state and local government. x Purchase of an eligible new unit, transportation,
      and set-up costs. The following criteria outlines an eligible new manufactured unit for guarantee with the
      Single Family Housing Guaranteed Loan Program (SFHGLP): o Must be a new unit in stock that has never been
      installed or occupied at any other site or location. Manufactured units may be moved only from the manufacturers
      or dealer’s lot to the site on which the unit will be financed. o Must have a floor area of not less than
      400 square feet. o Must be placed on a permanent foundation built to FHA guidelines in effect at the time
      of certification. Guidelines are presently published in the “Permanent Foundation Guide for Manufactured Housing”
      (HUD- 4930.3G). o Meet or exceed the Federal Manufactured Home Construction and Safety Standard (FMHCSS) Uo
      Value Zone for the geographic area the unit will be placed. The Uo Value Zone will be indicated on the Comfort
      Heating and Cooling Certificate. Builder must certify thermal requirements at time of purchase have been met.
      o Must have a manufacture date that is within 12 months of the date of loan closing. The manufactured home
      must be affixed with a data plate located inside the home in which the date the unit was manufactured can
      be found. The certification label must be affixed in a location that will remain visible after all work is
      completed that is necessary to complete the installation of the home at the home site. x As an alternative
      to the original HUD Certification Label(s), the lender may obtain a verification letter with the same information
      contained on the HUD Certification Label(s) from the Institute for Building Technology and Safety (IBTS).
      A duplicate HUD Data Plate may be available from IBTS or by contacting the In-Plant Primary Inspection Agency
      (IPIA) of the manufacturer. A list of IPIA and DAPIA offices is posted on HUD’s website. o Construction and
      site requirements for new dwellings can be found in section 13.11.'
    drafter_attestation: Verbatim from HB-1-3555 §13.9 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-13.9-2
  canonical_id: usda-hb-3555-13.9-2
  section: USDA HB-1-3555 13.9 — Authorized Loan Purposes
  description: '13.9 Authorized Loan Purposes: 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 §13.9 — Authorized Loan Purposes
    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 Purchase of an eligible existing unit
      and site. The following criteria outlines an eligible unit manufactured unit for guarantee under the SFHGLP:
      o Must be an existing unit that has never been previously installed on a different homesite. o Must have a
      floor area of not less than 400 square feet. o Must have 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. o Must be installed on a permanent foundation in accordance
      with the manufacturer’s requirements and HUD installation standards. Guidelines are presently published in
      the “Permanent Foundation Guide for Manufactured Housing” (HUD-4930.3G). Certification of a proper foundation
      is required. o Must meet or exceed the Federal Manufactured Home Construction and Safety Standard (FMHCSS)
      Uo Value Zone for the geographic area. o Must have a manufacture date that is within 20 years from the date
      of loan closing and meets or exceeds the Federal Manufactured Home Construction and Safety Standard (FMHCSS)
      as evidenced by both an affixed HUD Certification label and HUD Data Plate. The manufacture date can be found
      on the data plate located inside the home. x As an alternative to the original HUD Certification Label(s),
      the lender may obtain a verification letter with the same information contained on the HUD Certification Label(s)
      from the Institute for Building Technology and Safety (IBTS). A duplicate HUD Data Plate may be available
      from IBTS or by contacting the In-Plant Primary Inspection Agency (IPIA) of the manufacturer. A list of IPIA
      and DAPIA offices is posted on HUD’s website. x Financing of an existing unit due to a transfer of an existing
      Section 502 Direct or Guarantee loan or purchase of a Real Estate Owned (REO) property. Repairs associated
      with these transactions may be included.'
    drafter_attestation: Verbatim from HB-1-3555 §13.9 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
