Federal · Grant

HUD Good Neighbor Next Door

50% discount on HUD homes

50% off purchase price for teachers, law enforcement, firefighters, and EMTs.

HUD's Good Neighbor Next Door program offers a 50% discount on homes in designated revitalization areas for law enforcement officers, teachers (pre-K through 12th grade), firefighters, and EMTs. You must commit to living in the home for at least 36 months. The discount comes as a silent second mortgage that requires no payments and is forgiven after three years. Properties are listed on HUD's website and sell through a competitive bidding process among eligible buyers.

Amount50% discount on HUD homes
TypeGrant
Available inAll 50 states
First-time buyer requiredNo
Multi-unit eligibleSingle-family only

Programs that pair with this

Florida Hometown Heroes $35,000
Florida · Deferred 0% loan
TDHCA My First Texas Home Up to 5% of loan amount
Texas · DPA + below-market rate
California Dream For All $150,000
California · Shared appreciation
SONYMA DPAL $15,000
New York State · Forgivable loan
PHFA K-FIT (Forgivable in Ten Years) 5% of price — no cap. $20K on a $400K home, fully forgiven
Pennsylvania · Forgivable loan
FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan

Get your free stacking strategy

We'll show you how to combine HUD Good Neighbor Next Door with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →