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Open more doors with lower down payments.
†Eligible homes start at only $1,500 down for single-section or $3,000 down for multi-section. Terms and conditions apply.
*All loans are subject to credit approval. See more details.
Homeownership starts with a lower down payment.
Saving for a down payment shouldn't keep you from moving forward. Qualified buyers can put as little as $1,500* down on eligible single-section homes or $3,000* down on eligible multi-section homes. Browse available in-stock homes and apply by December 31, 2026. *Terms and conditions apply.
Want even more savings?
Pair this offer with a Red Tag Sale Home at Clayton Home Centers.
*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. See more details.
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*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.
†$1,500 Down for Single-Section and $3,000 Down for Multi-Section (the "Offer"). The Offer is limited to down payment amount. Total closing costs may be higher and will vary based on the down payment, loan product, your application and qualifications, and other fees for where the property is located. Vanderbilt Mortgage Portfolio loans only. Not available with FHA, USDA, VA, or GSE loans. Offer available for applications submitted between or on September 1, 2026 and December 31, 2026 for chattel loans up to $200,000 and land/home loans up to $250,000 to finance the purchase of new manufactured and modular homes from a Clayton Family of Brands retailer in stock as of September 1, 2026. Offer requires a minimum credit score of 640. To qualify for Offer, the loan program must originally require more than the Offer’s reduced down payment. Home must be used as the borrower’s primary residence and not a second home, “buy for,” or investment purchase. Offer example: On a $100,000 eligible loan with a 10% ($10,000) required down payment, the down payment will be reduced to $1,500 for a single-section, or $3,000 for a multi-section. Reduction cannot be combined with any other offer, except for Vanderbilt Mortgage’s “No payments for 60 days” program (subject to its terms and conditions). Vanderbilt Mortgage reserves the right to cancel the program at any time. Available loan programs, terms, and offers may vary by state.
Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, For licensing information, go to (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law license, Licensed by PA Dept. of Banking and Securities.