HUD homes in Lakewood and Jefferson County are foreclosed FHA homes that HUD owns and sells, and on November 7, 2026, Jefferson County had 2 of the 22 HUD homes for sale in Colorado: a 2-bedroom Lakewood condo at $302,600 and a 4-bedroom Buffalo Creek house at $545,000. Both are coded IN (insured) and both qualify for the FHA $100 down program. Buyers searching for Lakewood HUD homes, Jefferson County foreclosures, or HUD homes near me in Lakewood, Arvada, Wheat Ridge or Golden will find the live list, the bid rules, the loan options and the mistakes to avoid below.
New here? Start with what a HUD home is, then come back.
Are there HUD homes for sale in Lakewood right now?
Yes. One HUD home is listed in Lakewood and one in Buffalo Creek, the foothills part of Jefferson County. The grid below is live from HUD Home Store and refreshes twice a day, so it can show more or fewer homes than this post.
Every home below is a verified HUD-owned listing in Jefferson County, checked 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.
The Lakewood HUD homes page and the Jefferson County HUD homes page show the same live list with photos. The Colorado HUD inventory report tracks how many homes come and go each month.
What does each Jefferson County HUD home cost?
| Address | Price | Home | Who can bid (Nov 7) |
|---|---|---|---|
| 10351 W Girton Dr #2, Lakewood 80227 | $302,600 | 2 bed, 2 bath condo, 1,360 sq ft, built 2004 | Open to all bidders |
| 23826 Logan Ave, Buffalo Creek 80425 | $545,000 | 4 bed, 2 bath house, 1,903 sq ft, built 1954 | Owner-occupants only, bids open 11/12/2026 |
HUD Home Store list prices, checked November 7, 2026. The statewide median HUD list price that day was $239,800.
Who can bid on a Lakewood HUD home?
Owner-occupants bid first. Insured homes (IN and IE) have a 15-day owner-occupant exclusive period. Uninsured homes (UI) have 5 days. After that, investors and nonprofits can bid. The Lakewood condo is already open to all bidders, so an investor bid can win it today. The Buffalo Creek house is in its owner-occupant window. Owner-occupant vs. investor bidding periods explains the rules.
You cannot bid yourself. A HUD-registered broker submits every bid on HUD Home Store. How to buy a HUD home walks through each step.
Can I buy a HUD home in Lakewood with $100 down?
Yes, if you will live in the home and use an FHA loan. HUD’s $100 down incentive applies to eligible owner-occupant FHA purchases on IN and IE homes. Both Jefferson County listings carry the flag. HUD can also pay up to 3% of the price toward closing costs if you request it in the bid. On the $302,600 Lakewood condo, 3% is up to $9,078. HUD financing covers FHA, 203(k), VA, conventional and cash.
Down payment assistance: no county-run down payment loan in Jefferson County could be verified this month. CHFA and metroDPA cover the county, and Jeffco Public Schools employees can look at Schools To Home. Most buyers pick one program, because each comes with its own first mortgage. The lender confirms which one fits.
What do Lakewood buyers need to inspect before bidding?
HUD sells as-is. It fixes nothing and negotiates nothing after the bid. Inspect before you bid. Lakewood and Arvada HUD homes are mostly 1950s to 1970s ranches, so check the sewer line, the electrical panel, the furnace and the roof first. Condos need the HOA documents and FHA condo approval checked; FHA condo approval for HUD condos explains why. Foothills homes like the Buffalo Creek listing can be on a well and septic, which FHA and VA appraisers test. Radon runs high across Colorado; test for it.
What should I watch out for on a Jefferson County HUD home?
- Do not bid without a pre-approval that names the HUD financing code. An IN home and a UI home need different loans.
- Do not skip the sewer scope. A collapsed clay line on a 1950s Lakewood ranch can cost more than the closing-cost credit.
- Do not assume the condo is FHA-approved. Check the complex before you count on $100 down.
- Do not miss the bid deadline. HUD opens bids on a set date and reviews them daily after the first deadline. How HUD bid deadlines work has the clock.
- Do not use an agent who is not HUD-registered. The bid cannot be placed without one.
- Do not wait for an alert you never set. Jefferson County inventory reads zero some weeks; HUD home alerts send new listings the hour they appear.
How much earnest money, and how long to close?
Earnest money is $500 on homes priced under $50,000 and $1,000 on homes above $50,000, so both Jefferson County HUD homes need $1,000. Cash buyers close in 30 days. Financed buyers close in 45 days. If the lender runs late, HUD grants extensions in 15-day blocks that cost $375 to $750. HUD earnest money rules covers refunds and forfeiture. Call or text 303-955-4220 to line up the bid.
Who manages HUD homes in Lakewood?
Raine and Company is the HUD asset manager for Colorado. It handles bid results, contracts, extensions and repairs. Your broker submits the bid on HUD Home Store and works with Raine and Company through closing. Find a HUD agent lists every HUD-registered agent in The Kenna Group.
Can a Lakewood homeowner behind on an FHA loan avoid foreclosure?
Often, yes. FHA servicers must review loss mitigation options before a foreclosure sale. If keeping the home is not possible, an FHA short sale, called a Pre-Foreclosure Sale, lets the owner sell for less than the loan balance. HUD accepts net proceeds of 88%, 86% or 84% of the appraised value, depending on how long the home has been marketed, and the owner can receive up to $3,000 in relocation money. The FHA short sale guide walks through it, and short sale help on the main site covers every loan type. If you are searching for a short sale realtor near me in Lakewood or Jefferson County, call or text 303-955-4220.
Who is The Kenna Group?
The Kenna Group at Keller Williams DTC is a group of Colorado real estate brokers licensed with Keller Williams Realty DTC, LLC, a HUD-registered brokerage at 6300 S Syracuse Way, Suite 150, Centennial. The group places HUD bids every week across the Denver metro, Northern Colorado and Colorado Springs. HUD home FAQs answers the 25 most common questions.
Frequently asked questions about HUD homes in Lakewood and Jefferson County
How do I find HUD homes near me in Lakewood?
The Lakewood and Jefferson County HUD homes pages list every live HUD home, checked twice a day against HUD Home Store. On November 7, 2026, Jefferson County had 2.
What is the cheapest HUD home in Jefferson County?
A 2-bedroom, 2-bath condo at 10351 W Girton Dr #2, Lakewood, listed at $302,600 and open to all bidders on November 7, 2026.
Can I buy a Lakewood HUD home with $100 down?
Yes, as an owner-occupant using an FHA loan on a home coded IN or IE. Both Jefferson County HUD homes listed on November 7, 2026 qualify.
Can investors buy HUD homes in Lakewood?
Yes, after the owner-occupant exclusive period ends: 15 days on insured homes and 5 days on uninsured homes. The Lakewood condo was open to all bidders on November 7, 2026.
Does HUD pay closing costs on a Lakewood HUD home?
HUD pays up to 3% of the purchase price toward closing costs if the buyer requests it in the bid.
Can I bid on a HUD home myself?
No. A HUD-registered broker must submit the bid on HUD Home Store.
Where to go next
- Lakewood HUD homes, live
- Jefferson County HUD homes
- Every HUD home for sale in Colorado
- How to buy a HUD home
- HUD financing
- Good Neighbor Next Door
Call or text 303-955-4220. A live person answers.
Lakewood and Jefferson County HUD home disclosure: prices, bid periods, FHA financing codes and $100 down eligibility for HUD homes in Lakewood, Arvada, Wheat Ridge, Golden, Buffalo Creek and the rest of Jefferson County, Colorado come from HUD Home Store, were checked November 7, 2026, and change daily; the HUD Home Store listing controls. Bids on HUD homes in Lakewood, CO must be placed by a HUD-registered broker. The Kenna Group (The Kenna Group at Keller Williams DTC) is a group of brokers licensed with Keller Williams Realty DTC, LLC, Centennial, Colorado; each Keller Williams office is independently owned and operated. The group is not affiliated with or acting on behalf of HUD or Raine and Company. Down payment assistance, FHA loan, CHFA and metroDPA eligibility are set by the lender and program, and nothing here is a loan offer or a guarantee of price, approval or outcome. Information on FHA short sales and foreclosure for Jefferson County homeowners is general, not legal, tax or credit advice; talk to a HUD-approved housing counselor or a Colorado attorney about your situation. Equal Housing Opportunity.
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 7, 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
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