Denver HUD Homes For Sale
Included below are HUD Homes For Sale in Denver, CO. If you would like more information on any of these Denver listings, click the "Request More Information" button when viewing the property details. We can provide you with disclosures, past sales history, dates and prices of homes recently sold nearby, and more.
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HUD Homes For Sale in Denver, CO

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Denver HUD Homes for Sale
Denver HUD homes are owned by the Department of Housing and Urban Development. When a Denver home insured by the Federal Housing Administration (FHA) is foreclosed upon, HUD takes possession of the property and sells it through the Denver MLS® for a fair market price. These FHA Foreclosed homes are called "HUD Homes." These lower prices make HUD-owned homes in Denver very affordable, which is great for buyers looking for a second home, first-time buyers, or just anyone searching for a deal.
Interested in Denver's HUD homes for sale? See the regularly updated listings below, or read more now!
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HUD Homes For Sale In Denver, CO
Any real estate transaction can have its ups and downs, but Denver HUD homes have their own set of rules and procedures to follow. For example, there's an offer period for HUD homes, within which all bids must be submitted. The procedure is more structured than a typical home sale. For the first 30 days, the HUD home is only offered to owner-occupied home buyers only. If the bid is not accepted, the HUD home is offered to investors also.
HUD homes in Denver, as in most other localities, are sold as-is, meaning the new owner cannot request repairs or other improvements subject to purchase. Having said that, these types of properties are usually great deals that offer the opportunity for growth if the new owner is patient enough to withstand the purchase period and learn a little in the process!
![]() EXPLORE THE OPPORTUNITIES TODAY!View all Denver HUD homes for sale, set up viewings, or just learn more about the Denver Housing market. We are designated HUD agents!- Brian Burke, Kenna Real Estate |
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Financing Denver HUD Homes for Sale
Though HUD itself does not provide financing, there are several ways to finance the purchase of a Denver HUD Home. You can use a standard home loan, an FHA-insured loan, or cash. Keep in mind that when bidding on a HUD-owned home, you will have to prove to HUD that you will be able to make good on your bid in one of these ways.
Non-FHA Financing on HUD Homes
If you are planning to purchase a HUD home with a standard home loan, the loan will not be insured by FHA. When submitting a bid, you will have to include a pre-qualification letter from your lender.
Paying With Cash for a HUD Home
If you are planning to purchase a HUD home with cash, you will need to provide your bank statement or a letter from your bank showing that you have adequate funds to complete the purchase if your bid is accepted.
FHA-insured Loans on HUD Homes
FHA will not insure a loan for greater than the HUD home’s “AS-IS” appraised value. If you overbid the appraised value of a HUD home, the difference must be paid in cash if you use FHA-insured financing. There are several types of FHA-insured loans:
203(b) Regular FHA Loan (IN)–FHA will insure the loan if the HUD property does not have any mandatory repairs.
203(b) Repair Escrow (IE)–FHA will insure the loan if the HUD property needs less than $5000 in repairs to bring it up to Minimum Property Standards, and the repairs are completed by the buyer or the buyer’s agent within 90 days from the date of closing.
203(k) Rehab Loan (IK or UI)–If the HUD property needs more than $5000 in repairs to bring it up to Minimum Property Standards, the lender must obtain an inspection report from an approved 203(k) consultant and a new appraisal.
Feel free to contact us with any questions you may have about financing a HUD home purchase or to schedule an appointment to see any HUD home in the Denver area. Kenna Real Estate 303-955-4220
How to Buy a Denver HUD Home
Buying a Denver HUD home is a great way to purchase an affordable home or invest in real estate in the Denver metro area. But before you jump right into your search, there are some things you should know about the rules and procedures involved in buying a HUD-owned home.
Denver HUD Home Listings
All Denver HUD homes are listed on the Denver Metrolist Multiple Listing Service (MLS) at their “as-is fair market value," which is determined by a Federal Housing Administration (FHA) appraiser. The price of a HUD home may be reduced or made available through special sales programs if it doesn't receive any acceptable offers after a certain period of time. Prospective buyers can only view HUD-owned homes in the company of a HUD-registered broker or agent.
Submitting Your Bid
Anyone who can qualify for a mortgage equal to or greater than the fair market value or pay with cash can bid on a Denver HUD home through a HUD-registered broker or real estate agent. We will submit your bid to HUD, and the bid that has the highest net to HUD receives a provisional bid acceptance subject to receipt of all required documents. The Department of HUD will not counteroffer. Kenna Real Estate is HUD registered and designated brokerage. All HUD information deemed reliable but not guaranteed - buyer shall seek independent verification. HUD-owned property. HUD Homes are sold AS IS.
What Type of Financing is Required to Buy a HUD Home
For a bid to be accepted, HUD requires that prospective buyers provide either a pre-qualification letter from a lender or proof of adequate cash funds (greater than or equal to the price of the home).
"Earnest Money"
HUD also requires "earnest money" relative to the value of the home–$500 for homes under $50,000 and $1,000 for homes over $50,000. The earnest money is due following HUD's provisional acceptance of the bid. HUD does not accept personal checks, so the earnest money must be provided in the form of certified funds.
HUD HOMES for Sale Summary
Now that you know what's involved in finding and bidding on a Denver HUD home take a look at the great properties that are available. Feel free to contact us with any questions you may have or to schedule an appointment to see a Denver HUD home in the Denver area.
Kenna Real Estate is HUD registered and designated brokerage. All HUD information deemed reliable but not guaranteed - buyer shall seek independent verification. HUD-owned property. HUD Homes are sold AS IS.
Please contact us, and we will have a HUD-designated broker contact you to assist you with HUD Homes
- Arvada HUD Homes
- Aurora HUD Homes
- Boulder HUD Homes
- Brighton HUD Homes
- Broomfield HUD Homes
- Castle Pines North HUD Homes
- Castle Rock HUD Homes
- Centennial HUD Homes
- Cherry Hills Village HUD Homes
- Colorado Springs HUD Homes
- Commerce City HUD Homes
- Denver HUD Homes
- Elizabeth HUD Homes
- Englewood HUD Homes
- Erie HUD Homes
- Evergreen HUD Homes
- Fort Collins HUD Homes
- Fort Lupton HUD Homes
- Franktown HUD Homes
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- Greeley HUD Homes
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- Highlands Ranch HUD Homes
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- Lone Tree HUD Homes
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- Morrison HUD Homes
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- Parker HUD Homes
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- Superior HUD Homes
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