Animated calculator Most residential loans have a loan term of 5 years or greater. Mobile/manufactured homes are different. The loan term for mobile homes and manufactured homes varies according to the type of property and whether or not the land is included with the mobile home. For example:

Manufactured home scenario	Maximum VA loan term
Double-wide manufactured home	23 years and 32 days
Double-wide manufactured home plus land	25 years and 32 days
Land purchased for a home you already own	15 years and 32 days
Single-family manufactured home and land purchase	20 years and 32 days

Note: The minimum down payment for a VA mobile home loan is 5%.

Manufactured home scenario	Maximum VA loan term
Double-wide manufactured home	23 years and 32 days
Double-wide manufactured home plus land	25 years and 32 days
Land purchased for a home you already own	15 years and 32 days
Single-family manufactured home and land purchase	20 years and 32 days




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