Commerce City, Adams County
HUD homes for sale in Commerce City
Commerce City is two cities. The original core south of 72nd is small older houses at some of the lowest prices in the metro. Reunion and the subdivisions north of 96th are 2000s and 2010s two-stories built almost entirely on FHA loans. Both produce HUD homes, and both are twenty minutes from DIA, which keeps a steady stream of buyers looking.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
Old core, new north
1950s ranches on big lots in the original city; 2005-and-newer two-stories in Reunion, Buffalo Run and River Run.
Among the lowest in the metro
Older Commerce City HUD homes can list under $300,000. The newer north-side homes run $400,000s with district fees on top.
DIA and downtown both close
Airport workers, Pena Boulevard commuters and downtown workers all land here. Tower Road and I-76 do the work.
The real monthly
Reunion and its neighbors carry meaningful district mills. Add them before you compare to Thornton or Brighton.
HUD homes available now in Commerce City
None listed in Commerce City 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. Commerce City 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 Commerce City right now?
Not at this moment. Colorado usually has a few dozen HUD homes statewide and Commerce City 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 Commerce City 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 Commerce City?
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 Commerce City
South of 72nd Avenue, the original Commerce City: 1950s and 60s ranches and bungalows on lots bigger than anything you get closer in, priced lower than almost anywhere else in the metro, and often needing real work. North of 96th, Reunion and the newer subdivisions: two-story homes from the mid-2000s on, usually in insured condition, with HOA and metro district fees that change the monthly more than the list price does. Commerce City HUD homes tend to sit a little longer than Arvada or Littleton, which is good news for buyers who want the extended period and HUD’s closing-cost help.
What to check before you bid in Commerce City
- Metro district and HOA on the north side. Get the actual tax bill and dues. Then compare.
- Flood zone on the south side. Parts of the original city sit near the South Platte and Sand Creek. Flood insurance is a lender requirement in a mapped zone, and it is a real monthly cost.
- Sewer, panel and roof on pre-1970 homes. The usual three, and the reason the 203(k) exists. How it works.
- Ask for closing-cost help. On a home that has sat, HUD paying up to 3% toward your costs is a real lever. How to structure the bid.
How buying a HUD home in Commerce City works
Same process as the rest of Colorado. How to buy a HUD home, and if you are stacking CHFA on FHA, how CHFA and FHA work together.
Go deeper on Commerce City
Commerce City HUD homes: budget-friendly options close to DIA is the long-form guide.
Where to go next
HUD homes for sale in cities near Commerce City
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 Commerce City, 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 Commerce City
Tell us what you are working with and we will tell you honestly whether a HUD home in Commerce City 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.
