source:
  type: guide
  id: hud-4000-1-ii-b-standard-2
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Standard (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Standard (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-b-standard-2-full
  canonical_id: hud-4000-1-ii-b-standard-2-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II
  description: "Standard: A Borrower-owned land appraisal is required under Title I when a real estate\
    \ interest in land \nis acquired to support the Manufactured Home. \nWhen the secured Property consists\
    \ of a borrower-owned lot and a Manufactured Home that \nare, in combination, treated as real estate\
    \ by the local government, …"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - hud
  - 4000-1
  - curated
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — b. Standard (05/09/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: "A Borrower-owned land appraisal is required under Title I when a real estate interest\
      \ in land \nis acquired to support the Manufactured Home. \nWhen the secured Property consists of\
      \ a borrower-owned lot and a Manufactured Home that \nare, in combination, treated as real estate\
      \ by the local government, the Lender must obtain a \nsingle appraisal from an FHA Roster Appraiser."
    drafter_attestation: Verbatim section from snapshot 8c03836f77f317e1; boundary human-curated + substring-verified
      (2026-07-23).
  judgment: false
