Manufactured Home Loan Calculator

Updated for 2026 · typical APR 6.99%–10.49%

Estimate the monthly payment on a manufactured (modular) home loan. Whether the home is titled as real property or personal property (a chattel loan) changes the rate and term significantly.

Loan / purchase price

Down payment

10% of price

APR (interest rate)

Typical range: 6.99%–10.49%

Term

▼

Fine-tune

Trade-in

Sales tax

Extra payment / month

$retire it early

Estimated monthly payment

—/mo

Enter a price above to see your payment.

Amount financed—

Total interest—

Total of payments—

Estimate only payoff —

manufactured home payment —/mo

manufactured home loan questions

What is a chattel loan?

A loan on the home itself when you do not own or are not financing the land. Rates are higher and terms shorter than a traditional mortgage.

Can I get a 30-year manufactured home loan?

Yes, when the home is permanently affixed and titled as real property. Personal-property loans usually cap around 20 to 25 years.

How this estimate is built

The model

Figures assume a fixed rate and equal monthly payments; sales tax and trade-in are optional and adjust the financed amount. Some manufactured home loans use balloon, seasonal or simple-interest structures this tool doesn’t model — confirm with the lender. Rate band last reviewed 2026-06-01.

Not a lender

Asset Loan Calculator is independent and is not a lender, broker, or affiliate of any lender. Nothing here is a loan offer or financial advice. For real quotes, compare lenders and local credit unions directly.