Johnstown, Weld and Larimer Counties
HUD homes for sale in Johnstown
Johnstown is a small town that turned into a big subdivision market in the 2010s, almost all of it financed with FHA and VA loans, which is exactly the kind of place that produces HUD homes a few years later. When one lists here it is usually a 2005-to-2020 two-story in Thompson Crossing, Rolling Hills Ranch or one of the newer filings along I-25 and Highway 60, in insured condition, with a metro district on top.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
2005-and-newer two-stories
Subdivision homes with garages and small yards. Newer systems, cosmetic wear, usually listed as insured.
Weld east, Larimer west
The county line runs through the town. Taxes and permits differ, and so does the FHA loan limit.
I-25 between Loveland and Denver
Loveland 15 minutes, Fort Collins 25, Denver 45. Johnstown is the commuter town on the way to everything.
Read the mill levy first
Nearly every Johnstown subdivision sits in a metro district. It can add several hundred dollars a month.
HUD homes available now in Johnstown
None listed in Johnstown right now. That is normal. Colorado usually has a few dozen HUD homes statewide at a time and they cluster where FHA loans were common. Johnstown homes show up a few times a year and sell inside the first window.
Two ways to not miss the next one: set up alerts, or call or text 303-955-4220 and we will watch it for you. Meanwhile, here is everything available in Colorado right now.
Quick answers
Are there HUD homes for sale in Johnstown right now?
Not at this moment. Colorado usually has a few dozen HUD homes statewide and Johnstown homes come up a few times a year. This page refreshes twice a day; call or text 303-955-4220 and we will watch for the next one.
Can I bid on a HUD home in Johnstown myself?
No. Every bid on hudhomestore.gov has to be placed by a HUD-registered broker. The Kenna Real Estate Group at Keller Williams DTC is registered, places bids every week, and HUD pays the commission, so the agent costs you nothing.
What loan works for a HUD home in Johnstown?
It depends on the listing code. IN (Insured) takes a standard FHA loan with 3.5% down, or VA, conventional or cash. IE (Insured with Escrow) adds a repair escrow. UI (Uninsured) needs an FHA 203(k) rehab loan, a conventional renovation loan, or cash. Owner-occupants using FHA can often use the $100 down program.
What HUD inventory looks like in Johnstown
Old Johnstown, the few blocks around Parish Avenue, is small and rarely produces a HUD home. The subdivisions are the story: Thompson Crossing, Rolling Hills Ranch, Johnstown Farms, the filings along Highway 60 and near the I-25 interchange. These are 2005-to-2020 two-story homes, 1,600 to 2,800 square feet, built for first-time and move-up buyers on FHA and VA loans. The HUD homes that come out of them are usually in insured condition, which means a standard FHA loan works, and they price in the high $300,000s to $500,000s.
What to check before you bid in Johnstown
- The metro district. Get the actual tax bill. Two homes with the same list price can be $250 a month apart.
- Which county. Weld County east of the line, Larimer west. The FHA loan limit is higher in Larimer.
- HOA rules and dues. Most of these subdivisions have both an HOA and a district. Ask for the minutes.
- The FHA appraisal on a newer home is usually easy. Confirm the roof and the furnace and you are most of the way there. What to inspect.
How buying a HUD home in Johnstown works
Listed on hudhomestore.gov, owner-occupant window first, bids reviewed together, HUD-registered broker places yours, sold as-is, HUD pays the commission. Step by step, and which loan fits.
Where to go next
HUD homes for sale in cities near Johnstown
Colorado usually has a few dozen HUD homes at a time, so most buyers watch two or three cities. Every city page shows what is available now, what to check before you bid, and how the process works.
Short on cash? Down payment assistance for HUD homes in Johnstown, CO: CHFA, metroDPA, the teacher program and the local programs that stack on a HUD purchase.
Free guide, PDF
The Colorado HUD Home Buyer's Playbook
How HUD bidding really works, the nine ways buyers lose, and the bid worksheet. 18 pages, free.
Get the free guideInstant download. We email you a copy too. No spam, ever.
Find every home available, not just HUD homes
Advanced home search: every listing on the Colorado MLS, with the full filters, on kennarealestate.com.
Opens kennarealestate.com, the Kenna Real Estate Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
Ask us about HUD homes in Johnstown
Tell us what you are working with and we will tell you honestly whether a HUD home in Johnstown is the way to get there. No cost, no obligation, and nobody sells you anything.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
