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The Program Explained

Participants 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, eligible candidates can buy it for $75,000.  You can also apply for an FHA-insured mortgage and finance all closing costs, repairs, improvements, appliances and acquisition 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.

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 state accredited public/private school .  Neither your spouse nor you may currently own a home or have owned a home within the last year.  Also, if your spouse or you have previously obtained a home on GNND Sales Program or under the predecessor Officer Next Door Sales and Teacher Next Door Sales Programs , then you ARE NOT eligible.  Each occupation has further restrictions.  See below for further occupational restrictions.

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 the winner from all candidates interested in a particular property.  We will assign a real estate Agent in your area to assist you.  Participants must contact their assigned Agent to be placed into the lottery drawing.  Your assigned Agent can 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 servicing area.  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

Firefighters and Emergency Medical Technicians (EMT) must be employed 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.  First responders employed by privately owned companies ARE NOT eligible.

Properties Available

12 South Court Meriden, CT, 06450 New Haven ...

41 1,020 ft2
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
$ 60,000

511 South Street N Petersburg, VA, 23803 Pet...

31 949 ft2
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
$ 16,000

4218 Tackawanna St Philadelphia, PA, 19124 P...

31 1,168 ft2
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
$ 15,000

3481 Amber Street Philadelphia, PA, 19134 Ph...

31 1,165 ft2
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
$ 12,500

4635 Dillon St Baltimore, MD, 21224 Baltimor...

22.1 1,552 ft2
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
Deadline 7/31/2016 11:59:59 PM CT Midnight CST
$ 151,000

5256 Darien Road Baltimore, MD, 21206 Baltim...

21.1 1,140 ft2
Deadline 7/26/2016 11:59:59 PM CT Midnight CST
Deadline 7/26/2016 11:59:59 PM CT Midnight CST
$ 25,000

2220 El Paso St San Antonio, TX, 78207 Bexar...

32 903 ft2
Deadline 7/29/2016 11:59:59 PM CT Midnight CST
Deadline 7/29/2016 11:59:59 PM CT Midnight CST
$ 26,000

1700 Burnwood Rd Baltimore, MD, 21239 Baltim...

31 1,280 ft2
Deadline 7/26/2016 11:59:59 PM CT Midnight CST
Deadline 7/26/2016 11:59:59 PM CT Midnight CST
$ 37,500

2700 E Bessemer Ave Greensboro, NC, 27405 Gu...

52 2,546 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 31,000

3606 Mullin Dr Greensboro, NC, 27401 Guilfor...

32 1,309 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 25,500

34 Crestmont St Reading, PA, 19611 Berks Cou...

31.1 1,699 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 54,000

2812 Oakford Ave Baltimore, MD, 21215 Baltim...

31 1,152 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 19,000

124 North Janney St Baltimore, MD, 21224 Bal...

21 825 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 22,000

804 Franklin Ave Davenport, IA, 52806 Scott ...

31 1,000 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 38,000

24 Edgar St New Haven, CT, 06519 New Haven C...

31.1 1,140 ft2
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
Deadline 7/28/2016 11:59:59 PM CT Midnight CST
$ 27,500

14501 Viola Avenue Cleveland, OH, 44111 Cuya...

21 768 ft2
Deadline 7/27/2016 11:59:59 PM CT Midnight CST
Deadline 7/27/2016 11:59:59 PM CT Midnight CST
$ 13,500
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