Manufactured homes on HUDHomeStore: what you can finance and what you cannot

Outside the Denver metro, a meaningful share of HUD listings are manufactured homes on land, in places like Pueblo, Weld County and the Western Slope. They are often the cheapest homes on the site. They are also the ones most likely to be listed as uninsured, which changes how you buy.

What makes a manufactured home FHA-financeable

• Built after June 15, 1976, with the red HUD certification label on each section and the data plate inside.
• Set on a permanent foundation that meets HUD’s permanent foundation guide, with an engineer’s certification if the lender asks.
• The home and the land are titled together as real property. In Colorado that means the manufactured home title has been purged with the county and the DMV.
• Not moved from another site since its first installation (with limited exceptions).
• At least 400 square feet, and taxed as real estate.

If the listing meets all of that, HUD usually lists it IN or IE and you can use FHA, including the $100 down incentive when it is offered. What IN, IE and UI mean.

Why so many are listed UI

A home on blocks and tie-downs, or one whose title was never purged, cannot get a standard FHA loan. HUD lists it uninsured. Your options are then cash, a conventional renovation loan if the lender will take a manufactured home (many will not), a chattel loan if you are only buying the home and leasing the land, or an FHA 203(k) only if the foundation work brings it to standard. Renovation loan options.

Where the land matters

HUD sells the home with the land it sits on. If the listing says the home is in a leased-lot community, read it twice: HUD does not sell the lot, and you will owe lot rent to the park and need a chattel loan or cash. Those listings are rare on HUDHomeStore but they exist.

What to check on site

1. Find both HUD labels (one per section) and the data plate, usually in a kitchen cabinet or near the electrical panel.
2. Look under the home: piers on footings and a perimeter enclosure suggest a permanent foundation; blocks on dirt do not.
3. Ask the county assessor whether the home is taxed as real property.
4. Have the well and septic inspected if it is rural. HUD does not warrant either.

A plain-English example

A 1998 double-wide on two acres in Weld County was listed UI at $189,000. The labels were present and it was on a permanent foundation, but the title had never been purged. Our buyer paid cash, then purged the title at the county for under $200, and refinanced into a conventional loan six months later at the home’s appraised value of $240,000.

Not sure which rule applies to the house you are looking at? Call or text 303-955-4220. A live person answers, and the answer is free.

Written and reviewed by

Brian Lee Burke, Colorado HUD home specialist and team leader

Licensed Colorado real estate professional since 2002 · REALTOR® · Team leader and licensed broker of the Kenna Real Estate Group at Keller Williams DTC, a HUD-registered group that regularly bids on HUD homes · Author of The Real Estate Playbook and Mastering Real Estate. Brian’s full HUD biography.

Last reviewed: September 12, 2026 · Sources: HUD Home Store (hudhomestore.gov) and HUD program guidance, HUD Handbook 4000.1, REcolorado MLS data via kennarealestate.com, and the Kenna Real Estate Group’s own HUD transaction files.

Contact: call or text 303-955-4220 or homes@kennarealestate.com. During office hours you reach a live local Kenna real estate professional, not a robot or a national call center. Brokerage: Kenna Real Estate Group at Keller Williams Realty DTC, LLC, 6300 S Syracuse Way, Suite 150, Centennial, CO 80111. Each Keller Williams office is independently owned and operated. The Kenna Real Estate Group is an independent real estate team and is not affiliated with or endorsed by HUD or any government agency; official property information comes from HUD Home Store. Equal Housing Opportunity.

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