HUD Homes — BluEleven Home Services

HUD Homes & Government Properties

Discover government-owned properties at below-market prices. BluEleven helps you navigate the bidding process, secure financing, and close.

Browse HUD Listings →Talk to a Specialist

$100

Minimum Down (FHA)

50%

Good Neighbor Discount

Closing Cost Credit

Overview

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.

Below-Market Pricing

Properties priced to move — creating real opportunity for buyers.

Owner-Occupant Priority

5–15 day exclusive bidding window before investors can bid.

FHA Financing Available

As little as $100 down for eligible owner-occupant purchases.

HUD's Mission

Create strong, sustainable, inclusive communities and quality affordable homes for all.

Strengthen the housing market to bolster the economy and protect consumers.

Meet the need for quality affordable rental homes across the country.

Utilize housing as a platform for improving quality of life for residents.

Build inclusive and sustainable communities free from discrimination.

Transform the way HUD does business to better serve the public.

Eligibility

Who Can Purchase?

HUD homes are available to multiple buyer types. Owner-occupants get priority bidding access.

Owner-Occupants

Primary residence buyers.

Priority

Non-Profits

Community development.

Priority

Government

State & local agencies.

Priority

Investors

After priority period.

After Priority

Property Conditions

HUD homes are sold "as-is." Condition determines financing eligibility.

Insured

Meets FHA standards. FHA financing available.

Insured with Escrow

Minor repairs. FHA with up to $10K repair escrow.

Uninsured

Cash or conventional financing only.

We also offer FHA 203(k) rehab loans for major repairs.

Sales Incentives

Special programs for buyers — especially first-time homebuyers.

$100 Down Payment

FHA owner-occupants on eligible properties.

Sales Allowances

Can be used to pay closing costs, make repairs, or pay down the mortgage amount.

Closing Cost Help

HUD may contribute up to 3% toward costs.

FAQ

Common Questions

Everything you need to know about purchasing a HUD home.

Visit www.HudHomeStore.gov 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 number.

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, unsold properties are available to all buyers, including investors. The priority period can vary per property and is highlighted on each listing at www.HudHomeStore.gov.

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're interested in acquiring a HUD Home that needs repair, you may be interested in applying for an FHA 203(k) Rehabilitation Loan.

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