HUD code: This is the least expensive of the two and the transport carrier stays under your home and is typically set in a park-style setting, but can be put on private property. Make sure to check with your county and lender to make sure they allow HUD. HUD is generally harder to get funding for. 

IRC code: This is the same code that site-built homes are built to. The IRC code (International Residential Building Code) has no metal frame or chasse, it is set on a permanent crawlspace or basement. This code is assessed by appraisers and banks as site-built comparable and holds its value just the same as site-built homes. 

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