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HUD Homes


What are HUD Homes?

HUD (US Department of Housing and Urban Development) homes are 1-4 unit properties that have been foreclosed on by the bank where in most cases the former owner had an FHA (Federal Housing Administration) insured loan.  FHA loans are insured by the Government to protect the lender and will reimburse the lender if the borrower stops paying and goes into foreclosure.  HUD is the governmental department that administers the sale of these houses.

What is HUDs Mission

HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination, and transform the way HUD does business.

Where do I find a list of HUD Homes for sale?

Visit and search by state.  You can also look up a HUD approved Neighborhood Listing Broker (NLB) to help you search.  A licensed Realtor with an active NAID.

Can Homeowners and Investors purchase HUD Homes?

Anyone who has the required cash or can qualify for a loan may buy a HUD Home.  However, HUD Homes are initially offered to owner-occupant purchasers (people who are buying the home as their primary residence).  Following the priority period for owner occupants, unsold properties are available to all buyers, including investors.  The “priority period” can vary per property but is highlighted on each property listing that is published on

Will HUD make repairs?

HUD does not warrant the condition of its properties and will not pay for the correction of defects or repairs. Since the new owner will be responsible for making needed repairs, HUD strongly urges every potential homebuyer to get an inspection from a licensed professional home inspector prior to submitting an offer to purchase.  If you are interested in acquiring a HUD Home that is in need of repair, you may be interested in applying for an FHA   203(k) Rehabilitation Loan.

HUD Home Sales Incentives

HUD is offering several new sales incentives on HUD homes that will make these homes more affordable for homebuyers. The incentives vary from state to state, but may include the following:
– $100 down payments on HUD Homes financed with FHA-insured financing
– Sales allowances that can be used to pay closing costs, make repairs, or pay down the mortgage amount
– HUD homes located in designated Revitalization Areas ( are available at a reduced sales price to law enforcement officers, teachers, firefighters, emergency medical technicians, nonprofits and local governments. 

Purchasers must be owner-occupants and utilize FHA insured financing. Please contact your FHA lender for more information.


Sales Contract
– HUD-9548 Sales Contract

Good Neighbor Next Door
– HUD-9549 GNND Personal Information Questionnaire
– HUD-9549-A Officer
– HUD-9549-B Teacher
– HUD-9549-C Firefighter/EMT
– HUD-9549-D Continuing Eligibility
– HUD-9549-E Employer Verification

Additional Forms
– Owner Occupant Certification
– HUD – 9545 Lead Base Paint Addendum
– HUD-9548-G 203(k) Rehabilitation Financing

Additional Resources
– Register to Sell HUD Homes (NAID Registration)
– Redelegation of Authority

More Information

Please visit for up-to-date information.  Or call us directly at (213) 273-4845.



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