Single Family Property Disposition

To sell the inventory of HUD-acquired properties in a manner that expands home ownership opportunities, strengthens neighborhoods and communities, and ensures a maximum return to the FHA mortgage insurance fund.

credit: Hasbarco - Pescadero Lofts

Agency - Department of Housing and Urban Development

The Department of Housing and Urban Development's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. HUD fulfills this mission through high ethical standards, management and accountability, and by forming partnerships with community organizations.

Office - None.

Contact the appropriate HUD Homeownership Center (see or HUD Field Office listed in Appendix IV of the Catalog.

Relevant Nonprofit Program Categories

Program Accomplishments

Fiscal Year 2015: 70000. Fiscal Year 2016: 65000. Fiscal Year 2017: 60000.

Uses and Use Restrictions

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 and firefighters/emergency medical technicians, Discount Sales to Nonprofits and Local Governments program and Dollar HOME Sales to Local Governments program.

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 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 financing may be available for purchasing many homes, including the FHA 203(k) program providing a loan to purchase a property and pay for repairs or improvements as permitted by FHA rules.

Interested persons should contact their FHA approved lender.

Refer to for assistance in locating a lender.

Eligibility Requirements

Applicant Eligibility

Local Governments and Nonprofit Organizations: HUD contractors in the specific area should be contacted regarding eligibility requirements.

Contact HUD at Toll free: (800) CALL FHA or (800) 225-5342 for a listing of nationwide HUD contractors.

You can also visit: for the contact information for the M&M contractors.

FHA Insured Financing: Generally, anyone who has a satisfactory credit rating; enough cash to close the loan; sufficient, steady income to make the monthly payments without difficulty; and who will live in the home can be approved for an FHA insured mortgage.

Income is only one of several factors that apply in the lending process.

Interested buyers should contact their lender for more information.

Beneficiary Eligibility

Individual, governmental and organizational homebuyers.


Nonprofit Organizations must have IRS 501(c)(3) status. This program is excluded from coverage under 2 CFR 200, Subpart E - Cost Principles.

Aplication and Award Process

Preapplication Coordination

Preapplication coordination is not applicable.

Environmental impact information is not required for this program.

This program is excluded from coverage under E.O.


Application Procedures

This program is excluded from coverage under 2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards. 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. Purchasers must secure financing of their choice. FHA financing may be available. A list of HUD approved mortgage lenders is located at our website,

Award Procedures

Properties are generally sold competitively to the highest bidder. Direct sales may be made where permitted by regulations.


Not Applicable.


National Housing Act, as amended 12 U.S.C. 1710, Sections 203(b), 203(k), 204, 24 CFR 291.

Range of Approval/Disapproval Time



Not Applicable.


Not Applicable.

Assistance Considerations

Formula and Matching Requirements

This program has no statutory formula. Matching requirements are not applicable to this program. MOE requirements are not applicable to this program.

Length and Time Phasing of Assistance

quarterly. Method of awarding/releasing assistance: quarterly.

Post Assistance Requirements


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 HUD-1 Settlement Statements for the resale and other documents (see

Financial Information

Account Identification

86-4077-0-3-371; 86-4587-0-3-371.


(Sale, Exchange, or Donation of Property and Goods) FY 15 $4,382,890,349; FY 16 est $1,571,887,224; and FY 17 est $10,777,393,429

Range and Average of Financial Assistance

No Data Available.

Regulations, Guidelines, and Literature

Not Applicable.

Information Contacts

Regional or Local Office

None. Contact the appropriate HUD Homeownership Center (see or HUD Field Office listed in Appendix IV of the Catalog.

Headquarters Office

Wanda L. Sampedro, 451 7th Street, SW, Washington, District of Columbia 20410 Email: Phone: (800) 225-5342.

Criteria for Selecting Proposals

Not Applicable.

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