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Can a Manufactured Home Be Converted to Real Property in Texas?

May 25, 20265 min read·Pressy Campos
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Yes — a manufactured home in Texas can be converted to real property, but only if you own both the home and the land it sits on, and the home is permanently attached to a permanent foundation. This process is officially called eliminating the home's Statement of Ownership through TDHCA.

Who Qualifies for Real Property Conversion

  • •You own the land outright — the home cannot be on leased or rented land
  • •The home is permanently affixed to a permanent foundation system, not resting on temporary blocks or piers
  • •Any existing lien is resolved or subordinated — a lender's interest in the home as personal property must be addressed before conversion

    • Why Homeowners Convert to Real Property

  • •Conventional mortgage financing — most conventional lenders require the home to be classified as real property, not personal property, to qualify for standard mortgage or refinance rates
  • •Simpler property records — the home is taxed and recorded with the county along with the land, instead of tracked separately as personal property by TDHCA
  • •Higher resale value in some markets — real property status can make the home easier to finance for a future buyer

    • The TDHCA Elimination Process, Step by Step

  • 1
    Confirm eligibility — verify you own both home and land, and that the home meets the permanent attachment requirement
  • 2
    Resolve any liens — the lienholder on the personal property title must release or subordinate their interest
  • 3
    File the elimination application with TDHCA — this removes the Statement of Ownership from TDHCA's system
  • 4
    Record the home with the county — once eliminated, the home is recorded as an improvement to the real property, just like a site-built house

    • What Happens If You Sell Later?

    Once converted, the manufactured home transfers with the land through a standard real estate deed — not a TDHCA Statement of Ownership. This is one of the main reasons buyers and lenders prefer real property status.

    Eleven Processing & Consulting LLC in Kyle, TX prepares and files title elimination applications for homeowners throughout Texas. See our full mobile home title elimination service for details, or read do mobile homes have titles in Texas? for background on how the personal property title system works.

    Ready to convert your manufactured home to real property? Contact us for a free consultation.

    Manufactured HomeReal PropertyTDHCATexas