 Buyers of HUD homes as their primary residences who make a full-price offer to HUD using FHA-insured mortgage financing receive seller concessions from HUD enabling them to use only a $100 down payment.A scandal arose in the 1990s when at least 700 houses were sold for profit by real estate speculators taking the loans; at least 19 were arrested.The scandal devastated the Brooklyn and Harlem housing market and with $70 million in HUD loans going into default.