Financing Your Tiny Home
Explore flexible financing options for tiny homes, park models, ADUs, and modular housing. We partner with leading lenders to help make your purchase possible.
RV Loans
For tiny homes built to the RVIA 1192 standard
Recreational Vehicle Financing
Tiny homes built to the RVIA 1192 standard are classified as recreational vehicles and can be financed like any other RV. These loans typically offer longer terms and competitive rates compared to personal loans.
- Terms: 10–20 years
- Rates: Typically 6–12% APR (varies by lender and credit profile)
- Minimum loan amounts may apply
- Secured by the tiny home itself
Common lenders: Essex Credit, LightStream, credit unions, and RV specialty lenders
Chattel Mortgage / Personal Property Loans
Park models built to the ANSI 119.5 standard are financed as personal property (chattel), not as real estate. These loans are designed specifically for manufactured and mobile homes that sit on land the borrower may not own.
- Terms: 10–25 years
- Rates: Typically 7–14% APR (varies by lender and credit profile)
- No real estate required as collateral
- Loan secured by the park model unit
Common lenders: 21st Mortgage Corporation, Triad Financial Services
Construction Loans & HELOCs
For ADUs (IRC) and modular housing
Construction-to-Permanent Loans
ADUs and modular homes built to the International Residential Code (IRC) qualify for traditional construction loans that convert to permanent mortgages upon completion. Since these structures add real property value, they benefit from conventional financing options.
- Terms: 15–30 years (permanent phase)
- Rates: Market mortgage rates (varies by lender)
- Interest-only payments during construction
- Converts to standard mortgage on completion
Home Equity Lines of Credit & FHA Title I
If you already own a home, a Home Equity Line of Credit (HELOC) or cash-out refinance can fund your ADU or modular project. FHA Title I loans are also available for manufactured home improvements and do not require home equity.
- HELOC: Flexible draw period, variable rates
- FHA Title I: Up to $25,000 for property improvements
- Cash-out refinance: Tap existing equity
- Interest may be tax-deductible (consult a tax advisor)
21st Mortgage Corporation
Mobile Home Loans & Financing | Manufactured Home Loans & Financing
Tiny Home Depot is an authorized dealer for 21st Mortgage Corporation, a full-service lender specializing in manufactured and mobile home loans. They underwrite, originate, and service their own loans — offering competitive terms for tiny homes, park models, and manufactured housing.
21st Mortgage offers financing for both purchases and refinancing, with options for land-in-lieu and home-only loans. Minimum loan amounts and credit requirements apply. No minimum credit score is required for most states, though a minimum 600 credit score is needed for consolidation or cash-out loans.
Apply Now →Tiny Home Depot Dealer #39919/1 · 21st Mortgage Corporation, Knoxville, TN
Cash Purchase
No financing required
Many of our buyers choose to pay cash for their tiny homes, park models, ADUs, modular housing, or sheds — especially given the lower price point compared to traditional housing. Cash purchases eliminate interest costs, loan fees, and lender requirements, and can often speed up delivery timelines.
If you're considering a cash purchase, we offer transparent base pricing (MSRP) on all our models. Contact us for a detailed quote including delivery, setup, and any upgrades you're interested in.
Shed Financing Options
Flexible paths to ownership for your shed or outbuilding
Rent-to-Own (RTO) Program
Our most popular option for shed buyers — a flexible rent-to-own agreement that lets you get your structure now and work toward ownership with manageable monthly payments, no credit check required.
- Contract Lengths: Available in 36, 48, and 60-month agreement terms
- Credit Check: No credit check or lengthy financial application required
- Ownership Path: A portion of each monthly payment counts toward purchasing the structure outright
- Payoff: No penalties or extra fees for early payoff
- Initial Cost: Generally only the first month's rent is due at the time of sale (higher-value structures above specific thresholds may require a security deposit)
Available on most shed styles — ask us about your specific model
Lyon Financial Loan
Prefer a traditional loan? Lyon Financial offers financing for outdoor structures and improvements, with competitive rates and a quick online application process.
- Online application with fast approval decisions
- Competitive rates for outdoor structure financing
- Flexible repayment terms
- No collateral on your existing home required
External link — Lyon Financial is a third-party lender, not affiliated with Tiny Home Depot
Ready to Explore Your Options?
Get a personalized quote or schedule a free consultation with our team.
Legal Disclosures & Disclaimers
Not a Lender / Not a Loan Offer
Tiny Home Depot is not a lender, loan broker, or credit provider. We do not make loans or credit decisions. We are an authorized dealer for 21st Mortgage Corporation (Dealer #39919/1) and may refer prospective buyers to third-party lenders. The information provided on this page is for general educational purposes only and does not constitute an offer of credit, a commitment to lend, or a guarantee of financing. All loans are subject to credit approval, underwriting, and lender requirements.
Equal Credit Opportunity Act (ECOA) — U.S.
Under the Equal Credit Opportunity Act (15 U.S.C. 1691), it is illegal for creditors to discriminate against credit applicants on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), marital status, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law is the Consumer Financial Protection Bureau (CFPB), 1700 G Street NW, Washington, DC 20552.
Truth in Lending Act (TILA) — U.S.
Under the Truth in Lending Act (15 U.S.C. 1601) and Regulation Z (12 CFR Part 1026), lenders are required to provide clear and conspicuous disclosure of credit terms, including the annual percentage rate (APR), finance charges, total amount financed, and payment schedule. Any rates, terms, or figures referenced on this page are general estimates only. Actual APR, terms, and total cost of credit will vary by lender, loan product, credit profile, down payment, loan amount, and prevailing market conditions. All specific rate and term disclosures will be provided by the originating lender at the time of application and loan closing.
Fair Housing Act — U.S.
Under the Fair Housing Act (42 U.S.C. 3601 et seq.), it is unlawful to discriminate in housing-related transactions on the basis of race, color, national origin, religion, sex, familial status, or disability. This applies to the sale, rental, and financing of housing. For more information, contact the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777 or visit hud.gov.
State Licensing & Availability — U.S.
Lender licensing requirements vary by state. Not all lending partners are licensed or authorized to extend credit in all 50 states. Loan products, terms, and interest rates may vary by jurisdiction. Availability of specific loan products is subject to state law and lender policy. Please verify lender licensing and product availability in your state with the originating lender prior to application.
Cost of Borrowing Disclosure — Canada
Under Canadian federal and provincial consumer protection legislation, lenders must disclose the cost of borrowing, including the annual percentage rate (APR), total cost of borrowing, and all fees and charges associated with the loan. The APR disclosed by a lender includes both the interest rate and any additional fees. Any rates or figures referenced on this page are general estimates only. Actual cost of borrowing, APR, and terms will be disclosed by the originating lender in accordance with applicable Canadian federal and provincial law at the time of application.
Anti-Discrimination — Canada
In Canada, lenders are subject to federal and provincial human rights legislation that prohibits discrimination in lending on the basis of race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, disability, or conviction for which a pardon has been granted. We and our lending partners comply with all applicable Canadian federal and provincial anti-discrimination laws, including the Canadian Human Rights Act (R.S.C., 1985, c. H-6) and applicable provincial human rights codes.
Privacy & Personal Information — U.S. & Canada
When you apply for financing through a third-party lender, your personal and financial information is collected, used, and disclosed by that lender in accordance with their own privacy policy and applicable law. In the United States, the Gramm-Leach-Bliley Act (15 U.S.C. 6801) governs how financial institutions handle nonpublic personal information. In Canada, the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws govern the collection, use, and disclosure of personal information by private-sector organizations. We recommend reviewing the originating lender's privacy policy before submitting an application.
No Warranty of Rates or Terms
Interest rates, loan terms, minimum credit requirements, down payment requirements, and product availability referenced on this page are general estimates based on publicly available information and are subject to change without notice. Tiny Home Depot makes no representation or warranty regarding the accuracy, completeness, or timeliness of any rate or term information. Actual terms depend on the specific lender, the borrower's credit profile, the loan product, market conditions, and other factors. For current and specific rate information, contact the originating lender directly.
Provincial Variations — Canada
Consumer protection and lending laws in Canada vary by province and territory. Specific disclosure requirements, cooling-off periods, maximum interest rates, and borrower rights may differ depending on your province of residence. Contact your provincial consumer affairs office or the Financial Consumer Agency of Canada (FCAC) at 1-866-461-3222 or canada.ca/en/financial-consumer-agency for more information.
Tax Considerations
Interest paid on certain types of loans (such as home equity loans or HELOCs used for home improvements) may be tax-deductible in some circumstances. Tax treatment varies by jurisdiction and individual circumstances. Tiny Home Depot does not provide tax advice. Consult a qualified tax professional or accountant regarding the tax implications of any financing arrangement.
Independent Legal Advice
We encourage all prospective buyers to seek independent legal advice before entering into any loan agreement or financing arrangement. Loan agreements contain important terms and conditions that may affect your rights and obligations. Always review all loan documents carefully and consult with legal counsel if you have questions about any provision.
Effective Date
This page was last updated on July 28, 2026. Information is subject to change without notice. Please contact us directly for the most current information.