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Who can participate?

All participants must be employed full-time by a federal, state, county, municipal government, Indian tribal government, division of local government, or a public/private school. Current homeowners CAN NOT participate and neither you nor your spouse can have owned any other residential real estate for one year prior to participation. Each occupation has further restrictions.

The Program Explained

Eligible candidates may purchase a property at a 50% discount from the current appraised value. For example, if the home has an appraised value of $150,000, you can buy it for $75,000. You can also apply for an FHA-insured mortgage and you may finance all closing costs, repairs, improvements, appliances and all acquisition of expenses.You must live in the home as your primary residence for three years to take complete advantage of the grant. After that, you can sell the home and keep all the profit, turn it into a rental home, or live in it as long as you like. There are no further restrictions after the three year commitment has been fulfilled.

How do I get a half priced house?

Sign up to get email and text message notifications of available homes in your area. Homes are only available for 7 days on this program and it is vital that you are notified quickly in order to participate. Everyone has an equal opportunity to purchase each house available. HUD randomly selects from all candidates interested in a particular property. We will assign a real estate Agent to assist you and provide you with Mortgage Lender information to get pre-qualified so that you are ready to take advantage of the best federal program in the nation which rewards you for your dedication to the community.

Visit the Step by Step Guide to Acquiring a GNND home

What are my chances?

Very good! Many homes have been awarded to participants because they were the only interested party. If one Teacher, one Firefighter and one Officer are interested in the same house, everyone has an equal opportunity and a 33% chance of becoming the Buyer. The odds of being selected the Buyer are directly proportionate to the number of interested participants. Many GNND homes have been lost from the program because there were no interested candidates during the 7 day GNND period.

Law Enforcement

circle police

Law Enforcement Officers are restricted to GNND homes that are within a reasonable commuting distance, since the home must be their primary residence. Your employer must certify that you are employed full-time by a law enforcement agency of the federal government, a state, a unit of general local government or an Indian tribal government. Also, in carrying out such full-time employment, the person is sworn to uphold, and make arrests for violations of, federal, state, tribal, county, parish, township, or municipal law.

Teacher

teacher circle

Public teachers are eligible for any home within the boundaries of their employer's district. Private school teachers are eligible for any home within the servicing area of their employer. Your employer must certify that you are employed full-time by a state-accredited public school or private school, as a classroom teacher in grades Pre-Kindergarten through 12th grade and that your agency serves students from the school district or, in the case of a private school, from the area where the home is located in the normal course of business. 

Firefighter/EMT

fire circle

First responders employed by privately owned companies are not eligible. Your employer must certify that you are employed as a Firefighter or Emergency Medical Technician by a fire department or emergency medical services responder unit of the federal government, state, parish, a unit of general local government, or an Indian tribal government serving the area where the home is located. 

Properties Available

1742 Lamb Ave High Point, NC, 27260 Guilford County

32 1,183 ft2
Deadline: 8/4/2015 Midnight CST ...
Deadline: 8/4/2015 Midnight CST ...
$ 27,500

111 Gooseneck Court Elkton, MD, 21921 Cecil County

31 1,000 ft2
Deadline: 8/4/2015 Midnight CST ...
Deadline: 8/4/2015 Midnight CST ...
$ 21,000

1013 N Pinecrest St Wichita, KS, 67208 Sedgwick County

31 1,601 ft2
Deadline: 8/5/2015 Midnight CST ...
Deadline: 8/5/2015 Midnight CST ...
$ 32,000

76 Sunnyreach Drive East Hartford, CT, 06118 Hartford County

21 624 ft2
Deadline: 8/4/2015 Midnight CST ...
Deadline: 8/4/2015 Midnight CST ...
$ 25,000

1417 Wyeth St Harrisburg, PA, 17102 Dauphin County

21.1 1,080 ft2
Deadline: 8/4/2015 Midnight CST ...
Deadline: 8/4/2015 Midnight CST ...
$ 34,250

3847 W 133rd St Cleveland, OH, 44111 Cuyahoga County

21 924 ft2
Deadline: 8/4/2015 Midnight CST ...
Deadline: 8/4/2015 Midnight CST ...
$ 17,500

2139 W 93rd St Cleveland, OH, 44102 Cuyahoga County

32.1 1,799 ft2
Deadline: 8/3/2015 Midnight CST ...
Deadline: 8/3/2015 Midnight CST ...
$ 40,200

18632 Robert St Melvindale, MI, 48122 Wayne County

21 735 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 17,500

1213 South Kentucky St Amarillo, TX, 79102 Potter County

32 1,403 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 39,000

19 Post Office Ave #3 Laurel, MD, 20707 Prince Georges County

11 723 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 34,500

708 Cougar Dr Arabi, LA, 70032 Saint Bernard County

31 1,204 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 45,000

6707 SW Greencastle Dr Topeka, KS, 66619 Shawnee County

42 1,444 ft2
Deadline: 8/3/2015 Midnight CST ...
Deadline: 8/3/2015 Midnight CST ...
$ 27,500

2884 Snapfinger Mnr Decatur, GA, 30035 Dekalb County

32.1 1,712 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 32,450

2631 N La Verne Ave Tucson, AZ, 85712 Pima County

21 1,085 ft2
Deadline: 8/2/2015 Midnight CST ...
Deadline: 8/2/2015 Midnight CST ...
$ 31,000

561 Laurel Hurst Ct Ogden, UT, 84401 Weber County

32.1 1,578 ft2
Deadline: 7/30/2015 Midnight CST ...
Deadline: 7/30/2015 Midnight CST ...
$ 62,500

301 Amon Lane Pineville, NC, 28134 Mecklenburg County

31.1 1,613 ft2
Deadline: 7/30/2015 Midnight CST ...
Deadline: 7/30/2015 Midnight CST ...
$ 30,000
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