HUD homes in Pueblo are the lowest-priced HUD homes on Colorado’s Front Range. On October 26, 2026, 8 of the 21 HUD homes for sale in Colorado were in the city of Pueblo, listed from $92,000 to $165,750. Buyers ask the same questions every week: how much Pueblo HUD homes cost, whether FHA works, what the $100 down program needs, who can bid first, and what to inspect on an older Pueblo house. This guide answers each one.
A HUD home is a one-to-four unit house that had an FHA loan, went through foreclosure, and is now owned by the U.S. Department of Housing and Urban Development. What a HUD home is covers the basics. A HUD-registered broker places every bid. Call or text 303-955-4220.
How many HUD homes are in Pueblo right now?
Pueblo holds the largest share of Colorado’s HUD inventory. On October 26, 2026, the city had 8 HUD-owned homes out of 21 statewide. All 8 are single-family houses with 2 or 3 bedrooms and 1 bath.
The count changes every day. New homes appear and homes go under contract. The Pueblo County HUD homes page lists every home in Pueblo, Pueblo West and the St. Charles Mesa, verified against HUD Home Store twice a day. The Colorado HUD inventory report shows live counts by county, city, price and financing code.
How much do HUD homes in Pueblo cost?
The 8 Pueblo HUD homes listed on October 26, 2026 had a median list price of $109,500 and an average of $116,181.
Pueblo HUD home list prices, October 26, 2026
$92,000
$93,500
$100,000
$100,000
$119,000
$128,000
$131,200
$165,750
Blue = IE (FHA insurable with repair escrow). Red = UI (uninsured). Homes sell and new homes list daily; the live list is on the Pueblo County page.
List price is HUD’s starting point, not the final price. HUD accepts the bid with the highest net to HUD. A bid below list can win when no one bids higher. Every home shows its own list price, code and bid deadline on HUD homes for sale.
Can I use an FHA loan on a Pueblo HUD home?
It depends on the financing code. Five of the eight Pueblo homes were coded IE on October 26, 2026. IE means FHA insurable with a repair escrow. The FHA lender holds the repair money at closing and releases it after the work is done.
Three homes were coded UI, uninsured. A UI home needs more repairs than FHA allows. FHA does not work on a UI home. Cash, a conventional loan or a renovation loan does. The HUD financing codes explains IN, IE, UI and UK line by line. HUD financing compares FHA, 203(k), CHFA, VA and cash.
Does the $100 down program work in Pueblo?
Yes, on IN and IE homes. The $100 down program lets an owner-occupant buy a HUD home with $100 down on an FHA loan. On a $100,000 Pueblo HUD home, a standard 3.5% FHA down payment is $3,500. The $100 down program replaces that with $100.
HUD also pays up to 3% of the price toward closing costs when the bid asks for it. On a $100,000 home, that is up to $3,000. CHFA applies in Pueblo County with the statewide income limits: FirstStep at $153,360 for one or two people and $178,920 for three or more, and SmartStep at $178,920. Pueblo’s low prices make the $100 down and CHFA stack go further than anywhere else on the Front Range.
Who can bid first on a Pueblo HUD home?
Owner-occupants bid first. On insured homes (IN and IE), the owner-occupant exclusive period is 15 days. On uninsured homes (UI), it is 5 days. Investors bid after the exclusive period ends.
An owner-occupant certifies they will live in the home for at least 12 months. Investor timing covers when investors can bid and what they compete against. Pueblo UI homes draw investor bids on day 6.
How much earnest money does a Pueblo HUD home need?
$1,000. HUD sets earnest money at $500 for homes $50,000 and under and $1,000 for homes above $50,000. Every Pueblo HUD home listed on October 26, 2026 was above $50,000. Earnest money rules covers deadlines and refunds.
How long does it take to close?
Cash closes in 30 days. Financed purchases close in 45 days. Extensions come in 15-day blocks and cost $375 to $750. Colorado’s HUD asset manager is Raine and Company, which handles the contract and closing for HUD.
What should I inspect on a Pueblo HUD home?
HUD sells every home as-is. HUD makes no repairs after the bid. Inspect in this order:
- Sewer line. Scope it with a camera. Older Pueblo neighborhoods have clay and cast-iron lines.
- Roof. Hail is common in southern Colorado. Check the age and the insurance history.
- Electrical panel. Look for older panels and ungrounded wiring.
- Furnace, water heater and cooling. Many Pueblo homes use evaporative (swamp) coolers. Test them.
- Septic. Many Pueblo West homes use septic systems. Order a septic inspection on any home not on city sewer.
- Lead paint. Homes built before 1978 carry a lead-based paint disclosure. Lead paint on HUD homes explains it.
Utilities are often off on a HUD home. Your broker requests utility activation for the inspection.
Can a Pueblo homeowner behind on an FHA loan avoid foreclosure?
Yes, in many cases. Every Pueblo HUD home started as an FHA loan that went to foreclosure. An FHA owner who sells before the foreclosure sale can use HUD’s Pre-Foreclosure Sale. The sale must net at least 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 the short sale help page covers every loan type.
Frequently asked questions about HUD homes in Pueblo
Are there HUD homes for sale in Pueblo, Colorado?
Yes. On October 26, 2026, Pueblo had 8 of Colorado’s 21 HUD homes for sale, the most of any city in the state.
How cheap are HUD homes in Pueblo?
The 8 Pueblo HUD homes listed on October 26, 2026 ranged from $92,000 to $165,750, with a median of $109,500.
Can I buy a Pueblo HUD home with $100 down?
Yes, on homes coded IN or IE, as an owner-occupant with an FHA loan. UI homes do not qualify.
Can investors buy HUD homes in Pueblo?
Yes, after the owner-occupant exclusive period: 15 days on insured homes and 5 days on uninsured homes.
Do I need a broker to bid on a Pueblo HUD home?
Yes. A HUD-registered broker must submit every bid. Find a HUD agent lists The Kenna Group’s HUD agents.
The Kenna Group is HUD-registered and rated 4.9 stars across 332 reviews. Call or text 303-955-4220. A live person answers.
Where to go next
- Pueblo County HUD homes, live
- How to buy a HUD home, step by step
- All HUD homes for sale in Colorado
- FHA 203(k) financing on HUD homes
- HUD home FAQs
- Good Neighbor Next Door
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: October 26, 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
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