A HUD Home Store listing looks like a normal real estate listing with a few extra boxes. Those extra boxes are the whole game. They tell you whether you are allowed to bid yet, what kind of loan the house can take, and when your bid has to be in. Here is every field that matters, top to bottom, the way we read one before we tell a client to get excited.
The top of the page
- FHA case number. The property’s ID in HUD’s system. Every form you sign references it. Two case numbers can share an address if a house was foreclosed twice; make sure you are bidding on the current one.
- List price and list date. The list price is HUD’s asking price, set from an appraisal HUD ordered. HUD reviews unsold homes periodically and may reduce the price; when that happens the listing gets a new list date and, often, a fresh bid period.
- Listing period and bid deadline. The listing shows which period the home is in (exclusive owner-occupant, or extended) and the current bid deadline. This is the field buyers get wrong most often, so we wrote a whole page on how HUD bid deadlines work.
- Bid open date. When HUD will open the sealed bids submitted so far. In the exclusive period the first round is opened together on one date; after that, bids are usually reviewed daily.
The property details block
- FHA financing code. IN, IE, UI or UK. This tells you which loans the house can take and whether you can even use FHA. Colorado HUD financing codes explained covers all four.
- Repair escrow amount. Shown on IE homes. The FHA appraiser listed repairs needed to meet FHA minimum property standards; that dollar figure (times 110 percent) is escrowed from your FHA loan and released as the work is done after closing.
- As-Is value. HUD’s appraised value of the home in its current condition. HUD’s acceptance decision is a percentage of this number, not of the list price, and the two are not always the same.
- Occupancy type / status. HUD homes are sold vacant. If this field says anything other than vacant, ask; it is rare and it changes the closing.
- 203(k) eligible. Yes or no. A UK code or a “203(k) eligible” flag means an FHA renovation loan can fund the repairs that keep the home from qualifying for a standard FHA loan.
- Lead-based paint. Flagged on homes built before 1978. It triggers a disclosure and, on FHA loans, a lead inspection and stabilization requirement. See lead-based paint on HUD homes.
The documents tab
Three attachments matter. The Property Condition Report (PCR) is a walk-through inspection HUD’s contractor did when the home was taken in; it lists what worked and what did not on that day, and it is the closest thing to a seller’s disclosure you will get. The appraisal is often attached and is the one an FHA lender will reuse. The addenda list HUD’s sale conditions, including the lead paint addendum and the radon or septic addendum where they apply.
The fields that decide whether you can bid today
Put these three together: the listing period (are owner-occupants only, or is it open to investors?), the bid deadline (is the current round still open?) and the financing code (can your loan close on this house?). If all three line up, you can bid. If one does not, you either wait for the next period, change the loan, or move on. Owner-occupant versus investor bidding periods explains the first of those in detail.
What the listing does not tell you
Whether the furnace runs, whether the roof passed the last hail season, whether the basement takes water. HUD homes are sold as-is and winterized, with utilities off. You learn those things by getting the utilities turned on and an inspector inside, which is the next step after your bid is accepted: what happens after a HUD bid is accepted.
Questions people ask next
What does “bid open date” mean on HUD Home Store?
The date HUD opens all sealed bids submitted so far for that listing. Before it, nobody sees anyone else’s number; after it, HUD either accepts the best acceptable net or keeps the listing open for daily review.
What is the As-Is value on a HUD listing?
HUD’s appraised value of the home in its current condition. HUD judges bids as a percentage of this figure, so it matters more than the list price when you decide what to offer.
Is the Property Condition Report the same as an inspection?
No. The PCR is a checklist HUD’s contractor filled out when the home was taken in, often months earlier and with utilities off. It is useful, but it is not a substitute for your own inspection after your bid is accepted.
Why do some HUD listings show two case numbers for one address?
A home that was foreclosed on more than once gets a new FHA case number each time it comes back to HUD. Bid on the case number that matches the current listing.
The listing controls. HUD changes its procedures from time to time and every property has its own dates, codes and conditions on HUD Home Store. Where this page and the official listing or current HUD rules differ, the listing and HUD’s current rules control. We check this page regularly; ask us to confirm anything before you rely on it.
Looking at a specific HUD home? Call or text 303-955-4220. A HUD-registered agent answers, reads the listing with you, and the answer is free.
Written and reviewed by
Brian Lee Burke, Colorado HUD home specialist and team leader
Licensed Colorado real estate professional since 2002 · REALTOR® · Team leader and licensed broker of the Kenna Real Estate Group at Keller Williams DTC, a HUD-registered group that regularly bids on HUD homes · Author of The Real Estate Playbook and Mastering Real Estate. Brian’s full HUD biography.
Last reviewed: September 20, 2026 · Sources: HUD Home Store (hudhomestore.gov) and HUD program guidance, HUD Handbook 4000.1, REcolorado MLS data via kennarealestate.com, and the Kenna Real Estate Group’s own HUD transaction files.
Contact: call or text 303-955-4220 or homes@kennarealestate.com. During office hours you reach a live local Kenna real estate professional, not a robot or a national call center. Brokerage: Kenna Real Estate Group at Keller Williams Realty DTC, LLC, 6300 S Syracuse Way, Suite 150, Centennial, CO 80111. Each Keller Williams office is independently owned and operated. The Kenna Real Estate Group is an independent real estate team and is not affiliated with or endorsed by HUD or any government agency; official property information comes from HUD Home Store. Equal Housing Opportunity.
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.
Why you want it before you bid:
- The 15-day owner-occupant window, day by day, so you never miss a deadline
- The net-to-HUD math HUD actually scores, with a one-page bid worksheet
- The nine ways buyers lose a HUD home, and how each one is avoided
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
Tell us what you are working with and we will tell you honestly whether a HUD home is the way to get there. No cost, no obligation, and nobody sells you anything.
Call or text 303-955-4220
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