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FHA and HUD foundation inspection.

The engineering report an FHA lender asks for on a manufactured home.

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A manufactured home on a permanent foundation with skirting

What is a HUD engineering report?

It is an engineer's certification that a manufactured home's foundation meets HUD's Permanent Foundations Guide for Manufactured Housing. FHA lenders ask for it before they lend on a manufactured home, and it has to be signed and sealed by a Professional Engineer licensed in the state where the home sits.

Issued in: Missouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, Indiana. Loan officer or processor? See for lenders.

When you need it

  • An FHA lender or underwriter put an engineering condition on the file
  • The condition says "foundation certification", "engineer's certification", or "structural report"
  • A VA or USDA lender asked for the same document
  • An earlier report exists and the lender wants a current one
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  1. 1Piers
  2. 2Footings
  3. 3Anchors and tie-downs
  4. 4Skirting and ventilation
  5. 5HUD label and data plate

What the engineer looks at

  • Piers, footings, and how the home is supported
  • Anchors and tie-downs
  • Skirting, access, and ventilation under the home
  • Grading and drainage around the foundation
  • The exterior HUD labels and the interior data plate

What you get

  • A signed and sealed report written for the lender's file
  • A clear statement on whether the foundation meets the guide
  • A list of corrections when it does not
  • A PDF sent to you and, if you authorize it, to the lender

Common questions

Is this the same as a foundation certification?

Lenders use several names for it: HUD foundation certification, permanent foundation certification, engineer's certification, FHA structural report. Send the condition word for word and we confirm it is the same document.

Which states do you cover for this?

Missouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, and Indiana. For a home anywhere else, the report has to come from an engineer licensed in that state.

Does the report guarantee the loan?

No. It documents the foundation. The lender reviews the whole file and makes the decision.

Read first

What is a HUD engineering report?What a HUD engineering report is, what else it is called, and who signs it. FHA manufactured home foundation requirementsA plain overview of what an FHA lender needs to see for a manufactured home foundation. Underwriting added an engineering condition: what to sendA checklist for loan officers on what to send an engineer for an underwriting condition.

Related services

Manufactured home structural inspectionA sealed structural report on a manufactured home and its foundation, for any loan type. Permanent foundation certificationCertification to HUD's permanent foundation guide, for a loan file or a title conversion. FHA new construction inspectionsFooting, framing, and final inspections on form HUD-92051 where no local office inspects.