Are there HUD homes for sale in Englewood, Colorado? As of November 12, 2026, there are no HUD homes listed inside Englewood city limits, but Arapahoe County has 5 HUD homes for sale, and Englewood homes come up a few times a year. To buy one, you bid through a HUD-registered agent on HUD Home Store, and owner-occupant buyers get the first 15 days on insured listings.
This guide answers what people ask about HUD homes in Englewood, CO and HUD homes near me in Englewood and south Denver: how many are listed, what they cost, which loans work, how the bid window runs, and what to check before you bid. The live Arapahoe County HUD list is below, refreshed twice a day from HUD Home Store. The Kenna Group at Keller Williams DTC is a HUD-registered brokerage in Centennial, a few minutes from Englewood. Call or text 303-955-4220 to get on the alert list for the next Englewood listing.
How many HUD homes are for sale in Englewood and Arapahoe County right now?
Englewood has 0 HUD homes listed today. Arapahoe County has 5. Colorado has 26 HUD homes for sale statewide, with a median list price of $221,500, as of November 12, 2026 at 7:21 AM. Arapahoe County has the most HUD homes of any Colorado county this week.
| City | HUD homes listed |
|---|---|
| Aurora | 3 |
| Littleton | 1 |
| Byers | 1 |
| Englewood | 0 |
| Arapahoe County total | 5 |
Counts move every week. The Colorado HUD inventory report shows the current numbers by county, city, price band and financing code.
Live HUD homes for sale in Arapahoe County
Every home below is a verified HUD-owned listing in Arapahoe County, checked against HUD Home Store on Nov 12, 2026 7:21 am Mountain time. Official source: HUD Home Store guidance at hud.gov; if anything differs, the federal listing controls.
See every Colorado listing on HUD homes for sale, or the city page for HUD homes in Englewood.
How often do HUD homes come up in Englewood?
A few times a year. A HUD home is a house that had an FHA-insured mortgage, went through foreclosure, and was taken back by HUD. Englewood has a large share of older single-family homes and condos, and FHA loans are common there, so HUD listings appear on a steady trickle. When an Englewood home lists, it often sells inside the owner-occupant window. The fastest way to see it first is a saved alert on HUD home alerts. Read what a HUD home is for the full background.
Who can bid on a HUD home in Englewood first?
Buyers who will live in the home bid first. On insured listings (codes IN and IE), the owner-occupant exclusive period is 15 days. On uninsured listings (code UI), it is 5 days. Investors bid only after that window closes, and only if no acceptable owner-occupant bid came in. Owner-occupants sign a certification that they will live in the home for 12 months. The full steps are on how to buy a HUD home.
Can I bid on an Englewood HUD home myself?
No. HUD accepts bids only from HUD-registered real estate brokers with a NAID number. Your agent submits the bid on HUD Home Store and HUD pays the agent’s commission at closing, so the buyer does not pay the buyer’s agent. The Kenna Group at Keller Williams DTC is registered under NAID MSTRSR6204. Find an agent on find HUD agents.
What loans work on a HUD home in Englewood?
It depends on the financing code on the listing.
- IN (insured): FHA, VA, conventional or cash. The home is expected to meet FHA standards.
- IE (insured with escrow): FHA with a repair escrow of up to $5,000, plus VA, conventional or cash. 19 of Colorado’s 26 HUD homes carry this code today.
- UI (uninsured): cash, a 203(k) renovation loan, or a conventional or portfolio loan that accepts the condition.
Many Colorado HUD homes carry the $100 down flag, which lets an owner-occupant buy with an FHA loan and $100 down. HUD pays up to 3% of the price toward closing costs if you request it in the bid. Rates matter on every one of these loans: the Freddie Mac 30-year fixed average was 7.18% for the week of November 5, 2026. Details are on HUD financing and HUD $100 down in Colorado.
How much do HUD homes in Arapahoe County cost?
Colorado HUD homes listed today run from about $78,000 to $545,000, with a median of $221,500. 12 of the 26 are under $200,000. Englewood listings usually price above the state median because Denver-adjacent land costs more than rural Colorado. HUD prices from an FHA appraisal, and the list price can drop after a period with no acceptable bids. Read how HUD appraisals work before you set a bid.
What earnest money and closing timelines apply?
- Earnest money: $500 on homes under $50,000; $1,000 on homes $50,000 and up.
- Cash closes in 30 days. Financed purchases close in 45 days.
- Closing extensions run in 15-day blocks and cost $375 to $750 per block.
- The Colorado HUD asset manager is Raine and Company. They issue the contract and run the closing side.
What should I watch out for on an Englewood HUD home?
HUD sells every home as-is. HUD does not make repairs, and the seller disclosures are minimal. These are the mistakes buyers make most often:
- Skipping the inspection. You can inspect before bidding, and the house may be winterized. Utility activation for an inspection takes a request through the listing broker.
- Ignoring the build year. Much of Englewood was built before 1978. Pre-1978 HUD homes come with a lead-based paint disclosure, and repairs can cost more than expected.
- Bidding on a condo your loan cannot use. An FHA loan on a condo needs an FHA-approved complex. Check before you bid, not after.
- Missing HOA dues or liens. Ask what HUD pays at closing and what you take on.
- Bidding with the wrong buyer type. An investor who signs the owner-occupant certification breaks the rules. HUD pursues it.
- Losing earnest money. Canceling for the wrong reason, or missing the closing date without an extension, can cost the deposit.
Is there help for Englewood homeowners behind on an FHA loan?
Yes. Before a home becomes a HUD home, the FHA servicer must review the owner for loss mitigation: a repayment plan, a partial claim, a loan modification, or an FHA pre-foreclosure sale (short sale). An FHA short sale needs the net proceeds to reach 88%, 86% or 84% of the appraised value depending on how long the home has been marketed, and an eligible owner can receive up to $3,000 toward relocation. Arapahoe County foreclosures run through the Arapahoe County Public Trustee. See FHA short sales in Colorado and short sale help, or call or text 303-955-4220 to talk it through privately.
Englewood HUD home FAQs
How do I find HUD homes near me in Englewood?
Use the live Arapahoe County list on this page, the Englewood HUD homes page, and a saved alert. Nearby Littleton, Aurora and Denver listings are a short drive from Englewood.
Are HUD homes in Englewood cheaper than other homes?
Often, but not always. HUD lists at appraised value in as-is condition. The discount usually reflects repairs the buyer takes on.
Can I use down payment assistance on an Englewood HUD home?
Yes, when the loan program allows it. CHFA and metroDPA programs can pair with FHA loans on owner-occupied HUD homes. See down payment assistance.
Do investors ever buy HUD homes in Englewood?
Yes, after the owner-occupant period ends with no acceptable bid. Investors cannot use the $100 down program, which is for owner-occupants only.
Does Good Neighbor Next Door apply in Englewood?
Only when HUD lists a specific home in a designated revitalization area for the program. Check Good Neighbor Next Door for current rules.
Where to go next
- HUD homes for sale in Englewood
- HUD homes in Arapahoe County
- HUD homes in Littleton: buyer guide
- HUD home FAQs
- HUD listing broker in Colorado
Disclosure: HUD home counts, prices and financing codes on this page come from HUD Home Store listings for Colorado and Arapahoe County as of November 12, 2026, and change daily. HUD homes in Englewood, Colorado are sold as-is with no seller repairs; buyers should inspect and verify condition, HOA status and loan eligibility before bidding. Mortgage rates shown are national weekly averages, not a loan offer or rate quote. Information about foreclosure, FHA short sales and loss mitigation is general education, not legal, tax or credit advice; homeowners near me in Englewood facing foreclosure should speak with their servicer, a HUD-approved housing counselor or an attorney. The Kenna Group at Keller Williams DTC (The Kenna Group) is a HUD-registered team brokered by Keller Williams Realty DTC, LLC, Centennial, Colorado. Each office is independently owned and operated. Equal Housing Opportunity.
Call or text 303-955-4220. A live person answers.
Written and reviewed by
Brian Lee Burke, Colorado HUD home specialist and team leader
Licensed Colorado real estate professional since 2003 · REALTOR® · Team leader and licensed broker of the Kenna Group at Keller Williams DTC, a group that regularly bids on HUD homes through Keller Williams Realty DTC, LLC, a HUD-registered brokerage · Author of The Real Estate Playbook and Mastering Real Estate. Brian’s full HUD biography.
Last reviewed: November 12, 2026 · Sources: HUD Home Store (hudhomestore.gov) and HUD program guidance, HUD Handbook 4000.1, REcolorado MLS data via kennarealestate.com, and the Kenna 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: Keller Williams Realty DTC, LLC (the Kenna Group is a group of brokers there), 6300 S Syracuse Way, Suite 150, Centennial, CO 80111. Each Keller Williams office is independently owned and operated. The Kenna 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.
Bid with your financing lined up
Get ready for a HUD bid pre-approval
HUD homes go to the best bid by the deadline, and your agent submits it for you. Answer a few quick questions and a Kenna Group agent will call to go over your numbers, the HUD financing code and the bid timeline, then line up a pre-approval with a lender if you want one. No cost, no obligation.
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
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