For the first time, HUD is treating manufactured housing communities as a strategic part of America’s affordable housing future. New grant programs, expanded loan limits, and updated block grant guidance are all flowing toward MHCs in ways the industry has never seen.

Here’s where the money is coming from and what it means for residents, owners, and the communities themselves.

The Big New Headline: PRICE Grants for Manufactured Housing

The clearest example of “new HUD money” is a program with a very un-HUD name: PRICE, the Preservation and Reinvestment Initiative for Community Enhancement.

In February 2024, HUD launched PRICE as a first-of-its-kind competitive funding opportunity dedicated to manufactured housing and MHCs, with up to $225 million on the table. In December 2024, HUD announced it had awarded $225 million in PRICE grants to 17 recipients across 26 states.

PRICE grants are designed to:

• Preserve long-term affordability in manufactured housing and MHCs
• Revitalize or redevelop aging communities
• Invest in critical infrastructure (water, sewer, roads, electrical)
• Fund repairs, resiliency upgrades, and health/safety improvements
• Support services like eviction prevention and housing counseling
• Help communities transition to resident- or nonprofit-led ownership models

The Everyday Workhorses: CDBG and Other HUD Block Grants

HUD’s updated Community Planning and Development (CPD) notice on using Community Development Block Grant (CDBG) funds explicitly encourages communities to use CDBG for:

• Acquisition of manufactured homes
• Homeownership assistance tied to manufactured units
• Rehabilitation and replacement of older manufactured homes
• Infrastructure and resilience investments in MHCs

This means:

• A city can use CDBG dollars to help a low-income homeowner replace a failing manufactured home with a new HUD-code unit.
• A county can fund water, sewer, and road upgrades in an MHC where the infrastructure is aging.
• A state can layer CDBG with PRICE or other funds to support preservation or resident-purchase of a community.

FHA Title I: Loan Programs that Unlock Access

HUD, through the Federal Housing Administration (FHA), runs the Title I Manufactured Home Loan Program. Under Title I, FHA insures loans made by approved lenders to finance the purchase or refinancing of a new or used manufactured home, with or without the land underneath it.

How the Money Shows Up on the Ground

A county might use CDBG and PRICE funds to replace failing water and sewer lines in an older MHC, add storm-resilient electrical infrastructure, and repair roads that have been ignored for decades.

A nonprofit could partner with residents to acquire a community where the land is at risk of being flipped, using PRICE dollars and CDBG-backed financing to stabilize ownership.

At the individual level, a resident might tap a Title I loan to replace an aging home with a new HUD-code unit, while a local program covers weatherization or new heating and cooling systems.

What This Means for Residents, Owners, and Communities

For residents

There are more tools to fix aging homes, upgrade utilities, and keep communities livable.

For owners and operators

Big capital needs don’t always have to translate directly into steep rent increases. Grant and loan dollars can help fund infrastructure and quality-of-life upgrades while keeping communities affordable.

For cities, counties, and states

Manufactured housing is now firmly on HUD’s radar as part of the housing supply solution.