How to Read a Manufactured Home Quote: Line-Item vs. Bundled Pricing

The most important skill when buying a manufactured home isn't picking the floor plan — it's reading the quote. Two dealers can quote what looks like the same home and mean very different things. Here's how to tell what you're actually paying for.

Bundled pricing vs. line-item pricing

• A bundled quote gives you one big number — home, delivery, setup, and sometimes site work rolled together. It looks simple, but you can't see what each piece costs, which makes it impossible to compare dealers or know where you could save.
• A line-item quote breaks it out: the home, each factory option, delivery, and setup, each priced separately. That's how we quote at Factory Direct Homes Center — so you see exactly what you're paying for and can compare us honestly against anyone.

The costs every buyer should ask about — separately

• The home itself — the base plan plus the factory options you choose.
• Delivery from the factory to your site — distance matters, which is why being 20 miles from Champion's Topeka plant keeps this line low.
• Setup & installation — leveling, anchoring, utility hookups, and the marriage line on multi-section homes.
• Site work — pad or foundation, utilities, driveway. This is the big one. In our model, you hire your own licensed contractors for site work, which is where many buyers save the most money versus a dealer marking it up inside a bundle.

Questions to ask any dealer before you sign

1. Can I see this quote broken out line by line?
2. What exactly is included in "setup"?
3. Is site work included or separate — and can I use my own contractor?
4. Are there any fees not shown here?

A dealer who gladly itemizes everything is a dealer you can trust. One who won't is telling you something. Contact us for a line-item quote on any floor plan — you'll see every number.

Learn more

Our pricing guide explains how line-item pricing works, the complete buyer's guide walks the whole process, and the site work guide covers what you or your contractor handle before the home arrives.