Buying both the land and the home in one package is one of the simplest ways to plant roots in San Antonio. If you are comparing manufactured homes, site prep, utility hookups, and financing, a land and home package wraps these moving parts into a single path to ownership. This guide explains how land and home packages work in the San Antonio area, what to look for in land, financing options available, timelines, and how Homes2Go San Antonio supports you from start to finish.
What is a land and home package in San Antonio?
A land and home package lets you buy a manufactured home and the land it sits on together, typically with one loan and one closing. Instead of juggling a land purchase, a separate home purchase, and multiple contractors, the process is coordinated so your home selection, land selection, and site improvements align with lender and code requirements.
With Homes2Go San Antonio, you can compare floor plans, match them to suitable properties, and work with trusted local lenders who understand manufactured housing in our region. That coordination helps reduce surprises during installation and closing.
Why choose a package instead of home-only or land-only?
- Simpler financing, one loan can cover land, home, foundation, and many site costs.
- Faster path to move-in compared with separate transactions that can change scope.
- Potential for real property financing when the home is permanently installed on owned land, which can expand lender options.
- More control over location, you can choose acreage in the Hill Country, a quiet neighborhood in a nearby town, or land close to major corridors for commuting.
How land and home packages work, step by step
While every project is unique, most successful packages follow a clear sequence:
- Get prequalified with a lender that understands manufactured land-home loans.
- Choose your home model and confirm required site specs, such as footprint, foundation type, and utility needs.
- Identify land that fits the home, your lifestyle, and local rules, then verify utilities, access, and restrictions.
- Structure the contract and loan so land, home, and site work are captured in approved budgets and draws.
- Secure permits, prepare the site, install utilities and foundation, then deliver, set, and finish the home.
- Complete final inspections and closing, then convert or record documentation so the home is recognized as real property when applicable.
Financing options for land and home packages
Many buyers can finance the land, home, and improvements together, subject to lender and program guidelines. The right option depends on your eligibility, the property location, and how the home will be installed.
| Program type | Best for | Land included in loan | Permanent foundation required | Key notes |
|---|---|---|---|---|
| FHA | Buyers seeking flexible credit standards | Often | Typically | Requires HUD-code manufactured home and lender-specific criteria |
| VA | Eligible service members and veterans | Often | Typically | May offer low or zero down for eligible borrowers, lender overlays can apply |
| USDA | Eligible rural properties and income-qualified buyers | Often | Typically | Property must be in eligible rural area, income and property standards apply |
| Conventional | Strong credit profiles, certain home specs | Often | Typically | Some programs are tailored to specific manufactured home features |
| Chattel (home-only) | Placing a home on family land or in a community where land is not part of the loan | No | Not applicable | Separate land ownership or lease arrangement, community placement common |
Important notes:
- Loan terms, down payment, and eligibility vary by lender and program. Work with lenders who routinely finance manufactured land-home packages.
- VA and USDA may offer low or zero down options for eligible borrowers, availability depends on qualification and property location.
- To be treated as real property in Texas, the manufactured home must be permanently installed and titled accordingly under state rules.
Authoritative resources:
- Texas oversight of manufactured housing is managed by the TDHCA Manufactured Housing Division.
- HUD administers the national construction standards for manufactured homes, known as the HUD Code. Learn more at HUD Manufactured Housing Program.
- To assess USDA eligibility for properties, review the USDA property eligibility site.
Finding the right land around San Antonio
San Antonio buyers often look within Bexar County and neighboring Comal, Guadalupe, Medina, Wilson, Atascosa, and Kendall counties. Corridors like I-35, I-10, US 281, and US 90 offer a range of commute options and lifestyle choices from small-town living to acreage with Hill Country views.
When evaluating a property, confirm these fundamentals before you fall in love with a view:
- Zoning and deed restrictions, verify that manufactured homes are permitted and whether design standards or HOA rules apply.
- Utilities, check power, water, sewer or septic, and internet options. In and around San Antonio, common utilities include CPS Energy, SAWS, and in some outlying areas cooperatives like GVEC.
- Septic or sewer, if no municipal sewer is available, you will need an on-site sewage facility permit and design. See the TCEQ On-Site Sewage Facilities guidance for statewide requirements.
- Flood risk, review FEMA flood maps to understand floodplains and potential elevation or insurance needs. Start with the FEMA Flood Map Service Center.
- Access and easements, confirm legal road access, shared driveways, and any encroachments that could affect delivery of the home.
- Terrain and soil, ensure there is a buildable pad location, consider drainage, trees, and the space needed for delivery and setting.
If the land is within San Antonio city limits or an extraterritorial jurisdiction, check permitting and placement rules early with the City of San Antonio Development Services.
Permits, installation, and code basics in Texas
Manufactured homes are built to the federal HUD Code, and in Texas the TDHCA Manufactured Housing Division licenses installers and oversees titling, transfers, and certain consumer protections.
What to expect during installation:
- A foundation engineered for the home and soil conditions, typically a pier and beam or alternative design that meets the manufacturer instructions and lender requirements.
- Anchoring and tie-downs installed by a licensed professional, followed by inspections as required by the lender or jurisdiction.
- Utility connections, electric, water, sewer or septic, plus final grade and drainage around the home.
- Finish items, skirting, decks or steps, driveway or walkways, and final touches that complete the site.
After installation, buyers who finance the package as real property will work with their lender and title company to ensure the home is recorded properly under Texas rules. For questions about statements of ownership or locating licensed professionals, consult the TDHCA Manufactured Housing Division.
What influences timeline and budget
Timelines vary by lender, land readiness, and whether utilities and permits are straightforward. Expect the journey to take several weeks to a few months from preapproval to move-in, with site work being the most variable part. Your Homes2Go San Antonio housing consultant can help you build a realistic schedule and coordinate key milestones with lender requirements.
Common cost components in a land and home package include:
| Category | Examples of what may be included |
|---|---|
| Home and features | Base model, energy package, appliance upgrades, interior finishes |
| Land | Purchase price, title work, surveys, due diligence |
| Foundation and installation | Engineered foundation, anchoring, setup, inspections |
| Utilities and site work | Electrical service, water line or well, sewer or septic, driveway, grading |
| Permits and fees | Local permits, impact or utility connection fees where applicable |
| Finishes | Skirting, decks or steps, porches, landscaping |
Exact costs will depend on the property and the home you choose. Homes2Go San Antonio can walk you through options and align your selection with a lender-approved budget.
San Antonio specific tips to avoid delays
- Confirm manufactured home placement is allowed on the parcel before making an offer.
- Pull FEMA flood maps and ask your lender and installer how flood zones can affect foundation design and insurance.
- If the property needs a septic system, start the design early, some soils and lot sizes have special requirements.
- Coordinate power and water lead times, especially in fast-growing areas where scheduling crews can take longer.
- Choose a model and floor plan that fits the land’s dimensions and access for delivery.
Why many buyers choose Homes2Go San Antonio
Homes2Go San Antonio focuses on making ownership accessible with a wide selection of manufactured homes, flexible financing options through trusted local lenders, and expert guidance at every step. You can expect:
- A curated range of modern floor plans with energy-efficient designs and contemporary interiors.
- Clear, step-by-step guidance for first-time buyers and move-up buyers alike.
- Help matching your preferred model to suitable land and local communities.
- Support coordinating with lenders who routinely finance land and home packages in our area.
Ready to explore land and home packages around San Antonio and compare floor plans side by side? Visit Homes2Go San Antonio to connect with a housing consultant and start your plan today.
Helpful resources
- TDHCA Manufactured Housing Division, licensing, titling, consumer information: TDHCA MHD
- HUD Manufactured Housing Program overview: HUD Manufactured Housing
- FEMA Flood Map Service Center: FEMA Flood Maps
- City of San Antonio permitting, development, and zoning contacts: City of San Antonio Development Services
- CPS Energy service information: CPS Energy
- San Antonio Water System service information: SAWS
- Guadalupe Valley Electric Cooperative: GVEC
- USDA property eligibility portal: USDA Eligibility
- Texas on-site sewage guidance and permitting basics: TCEQ OSSF
This guide is for general planning. Always confirm lender requirements, local ordinances, and site conditions with qualified professionals.
Best Mobile Home Parks San Antonio: 2025 Roundup
Energy Efficient Manufactured Homes: Save More in Texas Heat
