Nationwide program
HUD Good Neighbor Next Door
Nationwide ยท U.S. Department of Housing and Urban Development
Quick answer
What this program appears to offer
discount of 50% from the list price of the home.
Discount or silent second
Discount or silent second
Eligible buyers must live in the property for 36 months as their principal residence. HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.
Not required
Trust layer
Program structure and lender rules
These fields stay free because they describe the official program rules, not a paid decision layer.
Not captured
Required
Not forgivable or not captured
non owner occupancy
Who qualifies
Law enforcement officers, Teachers, Firefighters, Emergency medical technicians (EMTs)
What support you get
discount of 50% from the list price of the home.
Do you repay it?
Eligible buyers must live in the property for 36 months as their principal residence. HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.
How to apply
Search eligible HUD listings on HUD Home Store, submit a bid through a HUD-registered real estate broker, and complete the required occupancy certifications.
Direct official links
Official source evidence
Law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return, an eligible buyer must commit to live in the property for 36 months as his/her principal residence. HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.
Official documents
Last verified
2026-04-12
Effective date not captured.