Tiny Home Loan Calculator
Compare your financing options side by side. Real monthly payments and total interest for every loan type that actually funds tiny homes.
Rates from live market data · Prime: 8.33% · Updated 2026-07-27
Your Loan Details
$10K$300K
Personal Loan
—
/month
APR Range —
Term —
Total Interest —
Down Payment None required
THOW eligible ✓ Yes
Best for: Any home type. No collateral. Fast approval.
Lenders commonly used:
• LightStream (660+ credit)
• SoFi (good for W-2 income)
• Upgrade (flexible underwriting, 580+)
BEST RATE
RV Loan
—
/month
APR Range —
Term —
Total Interest —
Down Payment 10–20%
THOW eligible ✓ RVIA required
Best for: RVIA-certified THOWs. Lowest monthly payment over longer terms.
Top Lenders:
• Good Sam Finance Center (THOW specialist)
• Southeast Financial (THOW-friendly)
• Essex Credit (competitive rates)
• Trident Funding (compares multiple lenders)
Chattel Mortgage
—
/month
APR Range —
Term —
Total Interest —
Down Payment 5–10%
Foundation only ✓ Yes
Best for: Foundation homes on leased land. Treated like a manufactured home loan.
Top Lenders:
• Triad Financial Services (min 600 credit)
• 21st Mortgage Corp (works with 575+)
• Cascade Financial (strong for ADUs)
• Vanderbilt Mortgage (no stated minimum)
Which Loan Is Right For You?
Important Notes
- RVIA certification is required for most RV loans. Not all THOWs qualify — check before applying.
- THOWs do not qualify for traditional mortgages — they are personal property, not real estate.
- APR ranges shown are estimates modeled from the current prime rate and typical credit-tier spreads — not lender quotes (methodology). Get pre-approved quotes from multiple lenders.
- Land purchase requires a separate land loan — home financing does not cover the lot.
- Credit unions often beat bank rates by 1–2% — check local options before deciding.
Ready to take the next step?
Get financing quotes from vetted lenders, or see your full 5-year cost of ownership.