Teachers, cops, firefighters, EMTs buy HUD-foreclosed homes in revitalization areas at 50% off list — $100 down with FHA.
HUD's Good Neighbor Next Door program lets full-time law enforcement, K-12 teachers, firefighters, and EMTs purchase HUD-owned single-family homes in designated revitalization areas at 50% off list price. Financing via FHA at $100 down, VA $0 down, or conventional. The 50% discount is a silent second mortgage forgiven after a 36-month owner-occupancy period. Listings refresh weekly at HUDHomeStore.gov with a 7-day exclusive window; lottery breaks ties on multiple bidders.
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Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.