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HUD Good Neighbor Next Door

Nationwide route through U.S. Department of Housing and Urban Development. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Discount or silent second Occupancy-based silent second 2026-04-12
Agency U.S. Department of Housing and Urban Development
Support type Discount or silent second
Amount highlight discount of 50% from the list price of the home.
Last verified 2026-04-12

Decision-ready public facts

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Amount

discount of 50% from the list price of the home.

Type

Discount or silent second

Repayment

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.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Law enforcement officers, Teachers, Firefighters, Emergency medical technicians (EMTs)

What support do 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 do you 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.

Application timing

Eligible Good Neighbor Next Door homes are available through the program for seven days, and HUD uses a random lottery if more than one person submits an offer on the same home.

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.

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Last verified

2026-04-12

Effective date not captured.

Paid preview

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Comparison preview

HUD Good Neighbor Next Door

Amount: discount of 50% from the list price of the home.

Repayment: 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.

First-time buyer: Not required

Timing: Eligible Good Neighbor Next Door homes are available through the program for seven days, and HUD uses a random lottery if more than one person submits an offer on the same home.

Risk checks preview

What gets flagged before you call a lender

  • HUD Good Neighbor Next Door must be paired with a specific first mortgage.
  • HUD Good Neighbor Next Door can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with HUD Good Neighbor Next Door, and what breaks eligibility?
  • Which events trigger repayment for HUD Good Neighbor Next Door: non_owner_occupancy?

Action checklist preview

What you would do next

  • Review the official Program guide for HUD Good Neighbor Next Door
  • Carry the lender question kit for HUD Good Neighbor Next Door
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