HUD $100 Down

How it works

Find a HUD-owned home

HUD markets real-estate-owned properties after foreclosure. Owner-occupants often get a priority bidding window. We help you confirm whether that listing allows a $100 down structure.

Finance the rest

You still need a loan for the balance, closing costs, and repairs. Many buyers use FHA. If the home needs work, FHA 203(k) or another renovation program may be a better fit.

Common questions

What is HUD $100 down?

Certain HUD-owned (REO) homes can be purchased by owner-occupant buyers with as little as $100 down, subject to the listing, bidding rules, and your ability to finance the rest of the purchase price.

Do I still need a mortgage?

Usually yes. The $100 figure is the cash down payment HUD may accept on qualifying owner-occupant sales. You still need to qualify for a loan that covers the remaining purchase price, closing costs, and any required repairs.

What is Good Neighbor Next Door?

Eligible teachers, law enforcement officers, firefighters, and EMTs may buy a qualifying HUD home in a revitalization area at a substantial discount, often with $100 down, in exchange for living in the home for a required occupancy period. Availability is limited.

Are these homes move-in ready?

Not always. HUD homes are typically sold as-is. We will help you pair the purchase with FHA, 203(k), conventional, or renovation financing when the property and your qualifications allow.

Does every HUD listing allow $100 down?

No. Terms depend on the property, whether you are an owner-occupant, bidding status, and current HUD rules. Ryan and Steve will review the listing with you before you bid.