HUD homes in Fort Collins and Larimer County are rare: on November 8, 2026, HUD Home Store showed none listed in the county, against 27 statewide. When one appears in Fort Collins, Loveland, Wellington or Berthoud, owner-occupants get the first 15 days, and most sell inside that window. This guide answers the questions buyers ask about Fort Collins HUD homes, Larimer County foreclosures and how to find HUD homes near me in Northern Colorado before the bid deadline passes.
The Kenna Group at Keller Williams DTC (Keller Williams Realty DTC, LLC) is a HUD-registered brokerage that places bids on HUD Home Store across Colorado. Call or text 303-955-4220.
Are there HUD homes for sale in Fort Collins right now?
Not today. The live grid below is checked against HUD Home Store twice a day and shows every HUD-owned home in Larimer County. When it is empty, nothing is listed.
No HUD-owned home is listed in Larimer County right now. That is normal; inventory is checked twice a day against HUD Home Store on Nov 11, 2026 7:21 am Mountain time. Official source: HUD Home Store guidance at hud.gov; if anything differs, the federal listing controls.
Get an alert the day one appears →
The full statewide picture, county by county, is on the Colorado HUD inventory report. Every current listing is on HUD homes for sale in Colorado.
Why are HUD homes so rare in Larimer County?
A HUD home is a house that had an FHA-insured loan, went through foreclosure, and was conveyed to HUD. What a HUD home is, in plain terms.
Larimer County has fewer FHA foreclosures than the Denver metro or Pueblo for three reasons:
- Higher prices push more buyers into conventional loans, so fewer homes carry FHA insurance.
- Owners with equity sell before the foreclosure sale.
- FHA loss mitigation cures many loans before the home ever reaches HUD.
Colorado HUD homes listed, November 8, 2026
Source: HUD Home Store, checked twice a day on this site.
How do I find HUD homes near me in Fort Collins?
Set an alert. Fort Collins and Loveland HUD homes are listed and bid on within days, so the buyers who win are the ones who see the listing on day one.
- Get a free HUD home alert for Larimer County on the Larimer County HUD homes page.
- Get pre-approved before a listing appears. A HUD bid needs a pre-approval letter or proof of funds.
- Line up a HUD-registered broker. You cannot bid on HUD Home Store yourself. Find a HUD-registered agent.
Fort Collins city listings are also on kennarealestate.com, Fort Collins HUD homes.
Who can bid first on a Larimer County HUD home?
Owner-occupants. On insured listings, owner-occupants, nonprofits and government buyers bid alone for the first 15 days. On uninsured listings the window is 5 days. Investors bid after that. How the bidding periods work.
An owner-occupant signs a certification to live in the home as a primary residence for at least 12 months.
What does it cost to buy a HUD home in Fort Collins or Loveland?
| Item | HUD rule |
|---|---|
| Earnest money | $500 under $50,000; $1,000 at $50,000 and above |
| Down payment | $100 down on eligible FHA listings, owner-occupants only |
| Closing costs | HUD pays up to 3% if requested in the bid |
| Closing deadline | 30 days cash, 45 days financed |
| Extensions | 15-day blocks, $375 to $750 |
Details: HUD earnest money rules and the $100 down program in Colorado.
What down payment help is there in Larimer County?
Larimer County participates in metroDPA. CHFA FirstStep income limits are $130,400 for one or two people and $149,960 for three or more, with a purchase price limit of $664,190. Impact Development Fund administers county down payment loans. These stack with HUD’s $100 down and 3% closing-cost help on eligible listings. HUD financing options: FHA, 203(k), CHFA and cash.
Rates matter on a HUD bid. The Freddie Mac 30-year fixed average is 7.18% this week (November 5, 2026). An FHA quote on a specific HUD home is a different number; get a real quote before you bid.
Can teachers, police or firefighters get a Fort Collins HUD home at 50% off?
Only if the home is in a HUD revitalization area and listed under Good Neighbor Next Door. Those listings are uncommon in Larimer County. How Good Neighbor Next Door works. Poudre and Thompson school district employees can also look at the Schools To Home program.
What should I inspect on a Larimer County HUD home?
HUD sells as-is, and there is no inspection contingency after the bid is accepted. Inspect before you bid, in this order:
- Sewer scope on Fort Collins and Loveland houses built from the 1960s to the 1980s.
- Roof, electrical panel and furnace.
- Well, septic and wildfire-insurance quotes on Estes Park and canyon properties.
- Radon. It runs high across Colorado.
The full process is in how to buy a HUD home, step by step.
What to watch out for, and what not to do
- Do not wait for a listing to get pre-approved. The owner-occupant window is short and Larimer listings go fast.
- Do not bid list price by reflex. HUD picks the highest net to HUD, so the closing-cost request and commission are part of the math.
- Do not skip the winterization check. HUD homes are often winterized; utilities must be on for inspections.
- Do not sign the owner-occupant certification if the home will be a rental. It is a federal certification.
- Do not miss the closing deadline. Extensions cost $375 to $750 per 15-day block and are not guaranteed.
What if no HUD home is listed in Fort Collins?
Look at the other distressed sales. VA-owned homes, bank-owned homes and short sales show up in Larimer County more often than HUD homes. Northern Colorado buyers can also watch Weld County, where HUD listings appear more often: HUD homes in Greeley and Weld County.
Owners in Larimer County who are behind on an FHA loan have options before foreclosure, including an FHA Pre-Foreclosure Sale: FHA short sales in Colorado and short sale help.
Frequently asked questions
Are there HUD homes in Fort Collins?
None were listed on November 8, 2026. Larimer County HUD listings are rare; set a free alert to see the next one the day it posts.
How do I find HUD homes near me in Loveland or Fort Collins?
Use the live Larimer County grid on this site, refreshed twice a day from HUD Home Store, and sign up for an alert.
Can I bid on a HUD home without an agent?
No. A HUD-registered broker must submit the bid on HUD Home Store.
How much earnest money does HUD require?
$500 on homes under $50,000 and $1,000 on homes at $50,000 and above.
Does HUD pay closing costs?
HUD pays up to 3% of the purchase price toward closing costs if the bid requests it.
Where to go next
- Larimer County HUD homes, live
- How to buy a HUD home
- Financing a HUD home
- HUD home FAQs
- HUD listing broker in Colorado
Disclosure: This guide to HUD homes in Fort Collins, Loveland and Larimer County, Colorado is general information about HUD Home Store rules, FHA financing, down payment assistance and foreclosure options. It is not legal, tax or lending advice, and program limits, rates and HUD inventory change often; the federal listing on HUD Home Store controls. The Kenna Group at Keller Williams DTC (Keller Williams Realty DTC, LLC, 6300 S Syracuse Way Ste 150, Centennial, CO 80111) is a HUD-registered brokerage and an equal housing opportunity provider. Each Keller Williams office is independently owned and operated.
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 8, 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.
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 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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