BidProwl

HUD Homes for Sale

There are 1,067 HUD homes for sale right now across 47 states, median list price $196,000. These are FHA foreclosures resold by HUD through HUD Home Store, and BidProwl tracks every listing with photos, prices, and bid deadlines.

How HUD home bidding works

1. Offers go through a registered agent. HUD does not take direct bids. Any HUD-registered real estate agent or broker can submit your offer electronically on hudhomestore.gov; most agents are, or can register in a day.

2. Owner-occupants get first shot. New listings open with an exclusive priority window, typically the first 30 days on FHA-insurable homes, where only buyers who will live in the home (plus nonprofits and government agencies) can bid. Investor bids count only after the listing moves to the Extended period.

3. Sealed bids, hard deadlines. Offers are sealed and reviewed after each deadline; HUD accepts the highest net to HUD, not necessarily the highest price. If your bid is accepted, you sign within days and close within 30 to 60. Every BidProwl listing shows the current deadline so you do not miss a review round.

4. As-is means as-is. HUD does no repairs, ever. Get the inspection during your window, and if the home is not FHA-insurable, plan on cash, conventional financing, or an FHA 203(k) renovation loan.

HUD homes by state

Texas139 homesCalifornia59 homesFlorida55 homesLouisiana49 homesVirginia49 homesPennsylvania49 homesGeorgia48 homesArizona43 homesAlabama42 homesMississippi37 homesMaryland36 homesOhio36 homesIllinois35 homesMichigan34 homesArkansas33 homesColorado31 homesMissouri22 homesIndiana19 homesOklahoma18 homesKentucky18 homesNorth Carolina18 homesMinnesota15 homesNew Jersey14 homesTennessee14 homesOregon14 homesIowa14 homesWest Virginia13 homesSouth Carolina13 homesIdaho12 homesNew York12 homesUtah12 homesKansas10 homesWashington10 homesNevada9 homesNew Mexico6 homesMontana5 homesDistrict of Columbia5 homesDelaware3 homesAlaska3 homesMaine3 homesNorth Dakota2 homesSouth Dakota2 homesWisconsin2 homesConnecticut1 homePuerto Rico1 homeHawaii1 homeRhode Island1 home

States not listed have no HUD homes on the market right now. Inventory turns over as foreclosures complete, so set an alert below and we'll email you when your state gets a listing.

What is a HUD home?

A HUD home is a 1-to-4 unit property that was bought with an FHA-insured mortgage and foreclosed. HUD pays the lender's insurance claim, takes the property, and resells it to the public through hudhomestore.gov. Because HUD wants these off its books, they are priced to move and sold strictly as-is.

How does bidding on a HUD home work?

You cannot bid directly: offers go through a HUD-registered real estate agent or broker, submitted electronically as sealed bids before each deadline. New listings open with a priority window for owner-occupants, nonprofits, and government agencies (typically the first 30 days on FHA-insurable homes). If nothing acceptable comes in, the listing moves to the Extended period, where investors can bid too.

Can investors buy HUD homes?

Yes, but only after the owner-occupant exclusive window ends. Owner-occupant buyers must certify they will live in the home for at least 12 months, and HUD enforces that certification. For investors, the play is watching for listings that clear the exclusive period without an accepted offer; those go to the Extended period where anyone can bid and price cuts follow.

What do HUD homes cost, and can I finance one?

The median list price across the 1,067 HUD homes live right now is $196,000. Condition drives the price: every home sells as-is, and many need work. FHA-insurable homes (marked IN or IE) can be bought with a standard FHA loan; uninsured ones (UI) usually need cash, conventional financing, or an FHA 203(k) renovation loan. Expect an earnest money deposit of roughly $500 to $2,000 with your bid.