**USDA Rural Development**

**Tennessee State Office**

**(Single Family Housing Loan Programs)**

All approved dealer/contractors shall provide evidence to Rural
Development that the following conditions have been met in order to
qualify for Rural Development financing:

1.  Each manufactured unit financed by Rural Development shall be new
    and must be constructed to meet HUD's, Federal Manufactured Home
    Construction and Safety Standards (the HUD Code-FMHCSS).

2.  The manufactured housing units must meet all local, state and
    federal requirements and statutes for the manufacture and
    installation of those units.

3.  All manufactured units and their sites must meet all requirements of
    RD Regulation 7 CFR Part 3550, Section 3550.73 and all applicable
    parts of RD Instructions 1924-A, 1980-D, and HB-1-3550.

4.  A one (1) year "Builders Warranty", Form RD 1924-19, or a ten (10)
    year Warranty with 1 Year Workmanship/2 Year Systems & 10 Year
    "Structural" Coverage must be executed at the completion of the
    development, in addition to furnishing all applicants with a copy of
    all manufacturer's warranties.

5.  All manufactured houses must be set up on permanent foundations
    constructed in accordance with the Department of Housing and Urban
    Development's (HUD's) Permanent Foundation Guide for Manufactured
    Housing or RD Instruction 1924-A, Exhibit J. Permanent foundations
    shall consist of a continuous reinforced concrete or masonry
    perimeter wall, reinforced concrete or masonry piers, and
    anchoring/tie down systems, in accordance with the referenced
    standards and must include the following:

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a)  A continuous footing for all permanent foundation walls shall run
    along the entire perimeter of the manufactured housing unit. The
    perimeter footing shall be reinforced concrete and extend to below
    the frost line. All load-bearing masonry walls shall be a minimum of
    6 inches thick. Non-load-bearing masonry perimeter walls shall be a
    minimum of 4 inches (nominal) thick. All permanent perimeter
    foundation walls constructed of pre-cast concrete masonry block or
    bricks shall have mortared head and bed joints.

b)  Footings for piers that are required to support the steel chassis
    beams/girders shall be poured, reinforced concrete. Size and spacing
    of the footings and the locations of the support piers shall be
    according to the HUD-approved Manufacturer's Set-Up Manual. Support
    piers shall be constructed of poured, reinforced concrete or
    concrete masonry units (blocks) with mortared head and bed joints.
    Piers shall be capped across their entire surface by 4inches
    (nominal) of solid masonry, two inches (nominal) of hardwood, or
    steel plates. Plywood or soft wood species are not permissible.
    Dry-stacked masonry block piers shall not be permitted.

c)  Anchors for the units shall consist of steel straps tied directly to
    anchors embedded in the poured concrete footings. These straps must
    be tightened to secure the unit against wind and seismic forces.
    Ground or screw-in anchors shall not be permitted. However, other
    State-approved anchoring systems may be allowed, if documentation of
    State approval is submitted prior to the installation.

d)  The Dealer/Contractor must provide a legible and dimensioned set of
    drawings and specifications in order for the inspector to make an
    informed inspection of the foundation work. Drawings and
    specifications for the foundation and anchoring system must be
    certified to meet the approved Manufacturer's Set-Up Manual on each
    loan by a plan reviewer recognized by RD. All structural design must
    be completed by a licensed engineer and shall meet the requirements
    of the HUD Permanent Foundation Guide for Manufactured Housing or RD
    Instruction 1924-A, Exhibit J.

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6.  Thermal performance of each manufactured housing unit must meet or
    exceed the HUD Uo Climate Zone II insulation requirements. Prior to
    the manufactured unit being delivered to the site and/or placed on
    the permanent foundation, a Manufacturer's "Comfort Heating and
    Cooling Certificate" must be provided to Rural Development showing
    the thermal specification for the unit. If a manufactured housing
    unit is constructed with an insulation thickness exceeding the HUD
    Uo Climate Zone II insulation requirements, then the additional
    insulation and framing may be recorded as an upgrade in the
    appraisal to reflect the additional cost/value.

7.  Each new unit financed shall have a rain guttering and downspout
    system and concrete splash blocks installed as part of the basic
    sales package.

8.  At a minimum, each new unit financed will include a basic
    landscaping package consisting of a minimum of two (2) six-foot
    trees and the lawn will be seeded and strawed with the seed variety
    and application rate consistent with other homes in the immediate
    neighborhood.

9.  The front, primary entrance will have a concrete porch or stoop with
    a minimum width and depth of 48-inches by 48-inches, with the
    reinforced concrete footing connected to the perimeter footing for
    the permanent foundation. All steps, which may include pre-cast
    concrete steps, from the porches or stoops to entry doors shall have
    hand rails that comply with the current version of the International
    Residential Code. Decks that are a minimum width and depth of
    48-inches by 48-inches are acceptable for side and rear entrances.
    Decks must be site built and meet the requirements of the current
    version of the International Residential Code. Railings are required
    around the porches, stoops, or decks if the floor surface is higher
    than 30 inches above grade.

10. The front entrance walkway must be poured concrete with a minimum
    width of thirty-six (36) inches extending from the porch or stoop to
    the driveway. Pre-cast concrete stepping stones are acceptable for
    walks leading to side and rear entrances.

11. Driveways shall have a wear surface consistent with other drives in
    the development or area. If other driveways in the development are
    paved with asphalt or concrete, the driveway for the subject units
    shall be the same type of construction. In some locations, gravel
    will be an acceptable surface material. Drives will be a minimum of
    8 feet in width and, when possible, extend to at least the front
    edge of the dwelling.

12. Roof pitch shall be a minimum of 4/12 (nominal).