Search Benefits

HUD Homes for Sale Benefits

Program Description

A U.S. Department of Housing and Urban Development (HUD) home is a 1-to-4 unit residential property acquired by HUD as a result of a foreclosure action on a Federal Housing Administration (FHA)-insured mortgage. HUD becomes the property owner and offers the HUD Home for sale to recover the loss on the foreclosure claim.

General Program Requirements

If you have the cash or can qualify for a loan (subject to certain restrictions) you may buy a HUD Home. 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.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

You must follow the guidance on the HUD Homes web page:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/reo/reohome

Program Contact Information

To begin the process of locating a HUD Home, go to: http://www.hudhomestore.com/HudHome/Index.aspx
To read more about this program, go to: http://portal.hud.gov/hudportal/HUD?src=/topics/homes_for_sale
To contact the Federal Housing Administration (FHA), please use one of the following methods:

Visit us at:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing...

Write us at:
U.S. Department of Housing and Urban Development
Federal Housing Administration
451 Seventh St., SW
Washington, D.C. 20410

Call us at:
1-800-CALL-FHA (1-800-225-5342) or via Federal Information Relay Service (w/TTY): 1-800-877-8339

Email us at:
answers@hud.gov