Build Type
What Will You Build?
Choose your construction method and confirm USDA eligibility requirements.
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Choose Your Build Type
Select the construction method that fits your goals and budget.
Factory-built, site-assembled
Modular Home
Built in sections at a factory, then transported and assembled on a permanent foundation. Treated the same as site-built by USDA lenders.
Permanent foundation
Appraised as real property
HUD & local code compliant
Fully customizable floor plans
$110 – $175 / sqft
4 – 8 months
Double-wide or larger only
Manufactured Home
Built entirely in a factory to HUD Code standards and placed on a permanent foundation. Must be double-wide or larger to qualify for USDA financing.
Single-wide manufactured homes do NOT qualify for USDA construction loans.
Most affordable option
HUD Code certified
Must be double-wide+
Permanently affixed to land
$80 – $130 / sqft
2 – 5 months
Fully site-built from the ground up
Custom Build
Traditional stick-frame or masonry construction built on your land by a licensed contractor. Maximum flexibility in design, materials, and layout.
Unlimited design freedom
Highest resale value
All materials on-site
Choose any licensed builder
$140 – $275 / sqft
8 – 18 months