Single Family Property Disposition


To sell HUD single family Real Estate Owned (REO) properties in a manner that expands homeownership opportunities, strengthens neighborhoods and communities, and ensures a maximum return to the FHA mortgage insurance fund.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
Office of Housing-Federal Housing Commissioner, Department of Housing and Urban Development
Type(s) of Assistance Offered
H - Sale, Exchange, or Donation of Property and Goods
Program Accomplishments
Not applicable.
National Housing Act, as amended 12 U.S.C. 1710, Sections 203(b), 203(k), 204, 24 CFR 291.
Handling and Disposal of Property; Settlement of Claims
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
Local Governments, HUD-approved Nonprofit organizations, owner occupants, and investors. Additional information can be found toll free at (800) CALL FHA or (800) 225-5342 or Purchasers must have the available cash to close or be pre-approved for mortgage financing.
Beneficiary Eligibility
Individual, governmental and organizational homebuyers.
Nonprofit organizations must be HUD approved.
What is the process for applying and being award this assistance?
Pre-Application Procedure
Preapplication coordination is not applicable.
Application Procedure
2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program. HUD homes are managed and marketed by private contractors. A list of contractors and the areas each serves may be found at The contractors list all HUD homes for sale on their individual Internet websites . Bids for a particular property can be submitted online through a HUD-approved real estate agent at Purchasers must be pre-approved for mortgage financing or have available funds to close. FHA financing may be available. A list of HUD approved mortgage lenders is located at our website,
Award Procedure
Properties are generally sold competitively to the bidder with the highest net offer. Direct sales may be made where permitted by regulations.
Not applicable.
Approval/Disapproval Decision Time
Not applicable.
Not applicable.
Not applicable.
How are proposals selected?
Not applicable.
How may assistance be used?
The Single Family Property Disposition Program is the marketing and sale of one to four unit properties acquired by HUD after foreclosure of an FHA-insured or Secretary-Held mortgage. Within the general program there are special disposition programs through which a portion of the property inventory is sold. These programs include Good Neighbor Next Door Sales program for law enforcement officers, teachers, firefighters or emergency medical technicians, Asset Control Area program, sales to Nonprofits and Local Governments, and the Dollar Home Sales program to Local Governments. Information for each of these programs is covered separately. The majority of foreclosed one to four unit properties are sold through the general disposition program. HUD contracts with private companies to manage and market the properties. Properties are listed at HUD's website located at, where links are provided to the listings for each state. The listings provide the list price of the property, the property address, a brief description of the property and access to a Property Condition Report prepared by the contractor. Complete information explaining the sales process and earnest money requirements is also available. Bids must be submitted electronically by a HUD-approved real estate broker. An earnest money deposit is required with each bid submitted. Special opportunities are available for bidders who intend to occupy purchased properties as their principal residence. Properties not purchased during this Exclusive Listing Period are then available for the general public, including investors, during an Extended Listing Period. FHA-insured financing may be available to purchase and rehabilitate HUD homes. Interested persons should contact their FHA-approved lender. Refer to for assistance in locating a lender.
What are the requirements after being awarded this opportunity?
Not applicable.
Not applicable.
Nonprofit organizations purchasing homes at a discount must retain information about the acquisition, rehabilitation and resale of discounted properties. This includes copies of the closing disclosure statement for the resale and other documents (see
Other Assistance Considerations
Formula and Matching Requirements
Statutory formula is not applicable to this assistance listing.

Matching requirements are not applicable to this assistance listing.

MOE requirements are not applicable to this assistance listing.
Length and Time Phasing of Assistance
Annual. Annual or as authorized.
Who do I contact about this opportunity?
Regional or Local Office
Contact the FHA Resource Center at or by calling toll free at (800) CALL FHA or (800) 225-5342. Available properties can be found at
Headquarters Office
FHA Resource Center
451 7th St. SW
Washington, DC 20410 USA
Phone: (800) 225-5342
Website Address
Financial Information
Account Identification
(Sale, Exchange, or Donation of Property and Goods) FY 22 FY 23 FY 24 FY 21 FY 20$1,953,318,466.00; FY 19$1,829,623,807.00; FY 18$2,478,271,709.00; FY 17 est $10,777,393,429.00; FY 16 est $1,571,887,224.00; FY 15$4,382,890,349.00; - Reported under 14.117.
Range and Average of Financial Assistance
Not applicable/available.
Regulations, Guidelines and Literature
Not applicable.
Examples of Funded Projects
Not applicable.


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