For many buyers in 2025, owning both a mobile home and the land beneath it is the ultimate goal. Unlike homes in parks (where you pay lot rent), buying a land/home package gives you full ownership, more stability, and better resale potential. The good news? You don’t have to break the bank to make it happen.
Here’s how to find — and afford — a mobile home with land in today’s market.
1. Look for Land/Home Package Listings
Some sellers bundle the home and land together. These packages often qualify for traditional mortgage financing, which means lower rates compared to personal property loans. Sites like MoveInMobile.com list available mobile homes with land, making it easier to shop smart.
2. Explore USDA and FHA Loan Options
- USDA loans are great for rural properties and may offer zero down payment if you qualify.
- FHA loans can apply to manufactured homes with permanent foundations, making financing more affordable.
3. Buy Land First, Then Add the Home
In some cases, purchasing an inexpensive lot first can give you more flexibility. You can then shop for a new or used mobile home to place on it, spreading costs over time.
4. Consider Foreclosures or Repo Homes
Bank-owned land/home packages are often listed below market value. These properties may need some renovation, but they can be a great way to save money and build equity fast.
5. Partner with a Mobile Home Broker
A licensed mobile home broker can help you find hidden opportunities, negotiate better deals, and ensure your land/home package qualifies for the right financing.
Why Buyers Choose Land/Home Packages
- Full ownership (no lot rent)
- Better financing options
- Higher long-term resale value
- More independence and flexibility
Platforms like MoveInMobile.com make it easier to browse both mobile homes for sale and homes that come packaged with land, giving buyers a head start on finding the perfect fit.
Final Thoughts
Buying a mobile home with land may sound expensive, but with the right strategy, financing, and guidance, it’s more achievable than ever in 2025. Whether you find a package deal or build your own, land ownership turns your mobile home purchase into a long-term investment.