Colorado foreclosures
Colorado foreclosures: HUD, VA, Fannie Mae and bank-owned homes for sale.
Every way to buy a foreclosed home in Colorado in one place: who sells it, where it is listed, who gets to bid first and how to pay for it. Plain English, with the catch included.
A live person answers. Not a robot, not a phone tree.
Five kinds of sellers
HUD, the VA, Fannie Mae and Freddie Mac, banks, and the county Public Trustee.
Owner-occupants, often
HUD, HomePath and HomeSteps give people who will live there a head start.
FHA, VA, 203(k) or cash
Many HUD homes allow FHA with $100 down. Repairs can be financed with a 203(k).
Sold as-is
No repairs, no seller disclosure, and good ones go fast. Be ready before one lists.
Five kinds
What kinds of foreclosures can you buy in Colorado?
A foreclosure is a home a lender took back after the owner stopped paying. Who ends up owning it decides how you buy it.
HUD homes
- From failed FHA loans
- Bid online through HUD Home Store
- Owner-occupants bid first
- FHA $100 down on many homes
VA-owned homes
- From failed VA loans
- Listed on the MLS by the VA’s contractor
- Anyone can buy, veteran or not
- VA Vendee financing
Fannie Mae and Freddie Mac
- HomePath and HomeSteps homes
- Listed on the MLS
- A First Look period for owner-occupants
- Normal financing when the home qualifies
Bank-owned (REO)
- Lender kept it after the sale
- Listed on the MLS
- Bank addendum, as-is
- Inspection allowed
Public Trustee sale
- The county auction
- Certified funds, no inspection
- You inherit any occupant
- For experienced buyers
Before the sale
- Pre-foreclosure and short sales
- Owner still holds title
- Lender approval for a short sale
- Slow, sometimes worth it
Side by side
How do Colorado foreclosures compare?
| Type | Where it is listed | Owner-occupant first? | Inspection | Typical financing |
|---|---|---|---|---|
| HUD home | HUD Home Store | Yes, a priority period | Yes, before you bid | FHA, 203(k), cash |
| VA-owned | MLS | No | Yes | VA Vendee, VA, FHA, cash |
| HomePath / HomeSteps | MLS and the program site | Yes, First Look | Yes | Conventional, FHA, cash |
| Bank-owned | MLS | No | Yes | Any loan the home qualifies for |
| Public Trustee sale | County Public Trustee list | No | No | Certified funds |
Step by step
How do you buy a foreclosure in Colorado?
Get pre-approved
FHA, 203(k), VA or conventional, or proof of funds for cash.
Set the alerts
HUD Home Store, the MLS and the program sites, for your cities and price.
See it fast
We show it, check the condition and pull the comps the same day.
Offer or bid
On the seller’s forms: a HUD bid, a bank addendum or a program contract.
Inspect and close
As-is, so the inspection sets your repair budget. Plan on 30 to 45 days.
Get pre-approved before the next foreclosure lists
Mike Oswald, VP of Mortgage Lending at Rate, NMLS 261003
Mike prices FHA, 203(k), VA, CHFA and conventional side by side, so your offer carries the loan that fits the house. Start the pre-approval or meet Mike. You may use any lender; Kenna receives nothing for the introduction.
Live HUD homes
Which HUD foreclosures are for sale now?
HUD homes for sale in Colorado today, updated twice a day from HUD Home Store.
HUD homes available now in metro Denver
Pulled from HUD’s live inventory and refreshed twice a day. Bid deadlines move and homes drop off the day a bid is accepted, so confirm any of these with us before you plan around it. Only a HUD-registered agent can place your bid. That is us; ask how buyer-broker compensation works for the property.
560 E Keen Ave
Byers, Arapahoe County · 4 bed · 2.1 bath · IE$100 down
$575,000
23826 Logan Ave
Buffalo Creek, Jefferson County · 4 bed · 2 bath · IN$100 down
$545,000
1575 S Trenton Ct
Denver, Denver County · 3 bed · 2 bath · IE$100 down
$408,000
1355 Racine St
Aurora, Arapahoe County · 3 bed · 1 bath · IE$100 down
$345,000
10351 W Girton Dr Unit 2
Lakewood, Jefferson County · 2 bed · 2 bath · IN$100 down
$302,600
1625 Verbena St
Denver, Denver County · 2 bed · 1 bath · IE$100 down
$260,000
8600 E Alameda Ave #19-108
Denver, Denver County · 2 bed · 2 bath · IE$100 down
$228,000
11875 E Kepner Drive
Aurora, Arapahoe County · 2 bed · 2.1 bath · IE$100 down
$215,000
3550 S Harlan Street Unit 242
Denver, Denver County · 2 bed · 2 bath · IN$100 down
$191,000
126 S Nome Street
Aurora, Arapahoe County · 1 bed · 1 bath · IN$100 down
$190,000
4210 E 94th Avenue Unit F
Thornton, Adams County · 1 bed · 1 bath · IE$100 down
$150,000
2281 South Vaughn Way Unit 117a
Aurora, Arapahoe County · 2 bed · 2 bath · IE$100 down
$130,000
2231 South Vaughn Way Unit 111b
Aurora, Arapahoe County · 1 bed · 1 bath · IE$100 down
$66,700
Across the rest of Colorado
Pueblo, the mountains and the Eastern Plains produce most of the state’s lowest-priced HUD homes. Same rules, same process, and we submit bids statewide.
6316 Meadow Dr
Pueblo, Pueblo County · 4 bed · 2 bath · IE$100 down
$408,000
21 Minden Circle
Colorado Springs, El Paso County · 3 bed · 2 bath · IE$100 down
$350,000
406 High Pasture Rd
Florissant, Teller County · 3 bed · 2 bath · IE$100 down
$312,000
1315 Royale Dr
Colorado Springs, El Paso County · 3 bed · 1.1 bath · IE$100 down
$285,000
300 Kunkle Street
Genoa, Lincoln County · 2 bed · 1 bath · IE$100 down
$265,000
3713 Salida Ct
Evans, Weld County · 3 bed · 1.1 bath · IE$100 down
$245,000
1109 Russell Avenue
La Junta, Otero County · 3 bed · 1 bath · IE$100 down
$234,600
1118 Natalie Street
Canon City, Fremont County · 3 bed · 2 bath · UI$100 down
$190,000
120 E 5th St
Julesburg, Sedgwick County · 3 bed · 3 bath · IE$100 down
$159,600
2801 Franklin Ave
Pueblo, Pueblo County · 2 bed · 1 bath · IE$100 down
$128,000
1831 Spruce St
Pueblo, Pueblo County · 2 bed · 1 bath · UI$100 down
$119,000
1030 E 7th Street
Craig, Moffat County · 2 bed · 1 bath · UI$100 down
$111,200
1025 W 18th Street
Pueblo, Pueblo County · 2 bed · 1 bath · IE$100 down
$100,000
240 Locust Ave
Las Animas, Bent County · 3 bed · 2 bath · IE$100 down
$96,900
Full details on every HUD home in Colorado
Photos, every fact HUD publishes, the financing code, the $100 down flag and the HUD documents for the home, on one page each.
- 1025 W 18th Street, Pueblo$100,000
- 1030 E 7th Street, Craig$111,200
- 10351 W Girton Dr Unit 2, Lakewood$302,600
- 1109 Russell Avenue, La Junta$234,600
- 1118 Natalie Street, Canon City$190,000
- 11875 E Kepner Drive, Aurora$215,000
- 120 E 5th St, Julesburg$159,600
- 126 S Nome Street, Aurora$190,000
- 1315 Royale Dr, Colorado Springs$285,000
- 1355 Racine St, Aurora$345,000
- 1575 S Trenton Ct, Denver$408,000
- 1625 Verbena St, Denver$260,000
- 1831 Spruce St, Pueblo$119,000
- 21 Minden Circle, Colorado Springs$350,000
- 2231 South Vaughn Way Unit 111b, Aurora$66,700
- 2281 South Vaughn Way Unit 117a, Aurora$130,000
- 23826 Logan Ave, Buffalo Creek$545,000
- 240 Locust Ave, Las Animas$96,900
- 2801 Franklin Ave, Pueblo$128,000
- 300 Kunkle Street, Genoa$265,000
- 3550 S Harlan Street Unit 242, Denver$191,000
- 3713 Salida Ct, Evans$245,000
- 406 High Pasture Rd, Florissant$312,000
- 4210 E 94th Avenue Unit F, Thornton$150,000
- 560 E Keen Ave, Byers$575,000
- 6316 Meadow Dr, Pueblo$408,000
- 8600 E Alameda Ave #19-108, Denver$228,000
Every home above is a verified HUD-owned listing, checked against HUD Home Store on Nov 7, 2026 7:24 am Mountain time. Official source: HUD Home Store guidance at hud.gov; if anything differs, the federal listing controls.
Quick answers
Questions people ask.
Where do I find foreclosures for sale in Colorado?
HUD homes are on HUD Home Store, VA-owned homes are listed by the VA’s contractor and on the MLS, Fannie Mae and Freddie Mac homes are on HomePath and HomeSteps and the MLS, and bank-owned homes are on the MLS. Homes before the sale are on each county Public Trustee’s list.
How many foreclosures are for sale in Colorado right now?
Not many. On November 7, 2026, about 40 Colorado MLS listings used words like foreclosure, bank-owned or REO, most of them under $400,000. Colorado foreclosures move fast, so set an alert.
Are foreclosures cheaper than other homes?
Often a little, because they sell as-is and need work. Government sellers price from an appraisal and lower the price on a schedule if a home sits. The value is in buying the repairs at the right price.
Can I use FHA or VA financing on a foreclosure?
Yes, when the home qualifies. Many HUD homes allow FHA with $100 down for owner-occupants, VA-owned homes have Vendee financing, and a 203(k) loan can fund repairs. Homes with major damage may need cash.
Do I need an agent to buy a Colorado foreclosure?
For HUD homes, yes: bids go through a HUD-registered broker with a NAID. For the others, a buyer’s agent writes the offer on the seller’s forms. The Kenna Group is HUD-registered.
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 Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
Ask us about Colorado foreclosures
Tell us where you want to live and how you plan to pay, and we will set the alerts for HUD, VA, HomePath and bank-owned homes.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
