THDA quiz · As of 10-28-2026
Manufactured or modular home
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May fit
A site-built house follows the usual rules, with no extra steps for the kind of home. A THDA-approved lender confirms.
What this rests on
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
Ask a lender
The kind of home changes the rules, so check how it was built first, then ask a THDA-approved lender. Verify with THDA and Freddie guidelines.
What this rests on
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
May fit
A modular home built in a factory and set on a permanent foundation is generally read like a site-built home. A THDA-approved lender can confirm. Verify with THDA and Freddie guidelines.
What this rests on
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
May not fit
A mobile home built before June 1976, or on a rented lot or without a permanent foundation, likely does not fit. Verify with THDA and Freddie guidelines.
What this rests on
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
Ask a lender
A new manufactured home has extra rules, such as a permanent foundation, proper title and an engineer's report. Ask a THDA-approved lender whether the new construction help applies. Verify with THDA and Freddie guidelines.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
Ask a lender
Manufactured homes have extra rules, such as a permanent foundation and proper title. It may fit, but a THDA-approved lender has to confirm it. Verify with THDA and Freddie guidelines.
What this rests on
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.