Factory-built pathway
Manufactured & Modular Home Pathway
Factory-built homes can be an excellent path to ownership on rural land — but the code, title, foundation and financing rules are genuinely different from a site-built house.
What actually differs
Dealer comparison
Compare total installed cost, not sticker price. Enter dollar amounts; blanks count as zero.
Total installed cost
| Line item | ||
|---|---|---|
| Home price | ||
| Delivery | ||
| Installation / set | ||
| Foundation | ||
| Site work | ||
| HVAC | ||
| Utility connections | ||
| Steps | ||
| Decks | ||
| Skirting | ||
| Permits | ||
| Warranty (notes) | ||
| Total installed cost | $0 | $0 |
Estimate only. Actual costs, rates, taxes, insurance, loan terms, and program requirements will vary.
Questions to ask a dealer
Get every answer in writing
- Is this home built to the HUD Code or to state and local building code?
- What exactly is included in the quoted price, and what is billed separately?
- Who is responsible for permits, inspections and the foundation engineering certification?
- Will the home be titled as real property, and who handles title retirement?
- What happens to my deposit if financing is not approved or the site fails a permit?
- Which lenders have you closed with on this exact model in this county?
- What is the warranty, who honors it, and how are service calls scheduled?
- What is the realistic delivery and set timeline, and what causes delays?