912E James St, White Cloud, MI

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912E James St, White Cloud, MI | HUDPRO

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HUDPRO Insight

What this property is

From a buyer’s lens, this reads as a cozy 2-bedroom, 1-bath single family home with 973 sq ft on a generous lot built in 2005. White Cloud, MI behaves like a more competitive submarket — tour early if owner-occupant priority applies.

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Financing & repairs

IE (insurable with escrow) signals required repairs handled at closing via repair escrow — still a 203(b) path for many buyers, but the escrow amount and timeline matter as much as list price. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window. FHA $100 Down can reduce cash-to-close for eligible owner-occupants — program rules still apply to case status and bidding period.

Repair escrow (IE) guide HUD financing guide $100 Down listings

Buyer competition & practicality

Extended listing period often means the home already cycled through earlier bid windows — read the bid schedule carefully; investor eligibility may differ from day-one owner-occupant priority. Roughly 25 days on market is middle-aged for HUD — balance speed with diligence on repairs and neighborhood comps.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

Listing Period: Extended

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

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Days on Market25 days

Price TrendStable

Listing ActivityBack on market

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HUD Program Eligibility

$100 Down EligibleYes

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusIE (Insured Escrow)

HUD List Price

$143,000

$100 Down Eligible

2 bd · 1 ba · 973 sq ft

Built 2005 · Lot 8,700 sq ft

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Newaygo County, MIHome inspector

Bid DateTue, Oct 20 • 11:59 PM CT

Buyer FitPhase: All Bidders · Insured Escrow

Property Snapshot2 bd / 1 ba · 973 sq ft

Financing203(k): Eligible · $100 Down

HUDPRO Buyer Report

Here's what we think
about this home.

912E James St, White Cloud MI 49349 · Listed $143,000

Valuation data not available

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Is This a Deal?

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Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$907 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$872 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

Ends today

Bids due: Tue, Oct 20 (11:59 PM CT)

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Buyer Eligibility

All bidders

Open bid phase to all qualified bidders per current listing data.

Recent Sold HUD Homes in This County

Archived HUD sales in Newaygo County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$147

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.