You have to submit a bid online and your agent needs to be a registed HUD agent. The agent will receive a commission, but that figure needs to be factored into your bid. HUD is looking for the best "NET" to them. They don't care if it's a cash offer, conventional, or FHA. It's an automated process and the system just picks the best net to HUD.
So let's say you're offering $100K, and the agent is asking for a 5% commission of $5K and you need $5K in closing costs. The "NET" to HUD is really $90K. BUT....Let's say there's an investor who's also offering $100K, they are also an agent, and aren't paying anyone a commission. They are paying cash and don't need closing costs. The net will be $100K and will win the bid. So...in essence you'll want to pad your offer to include agent's commission, and any other things you're asking for -- such as closing costs.
Are you willing to pay above the list price in order to get the house? Also, many HUD homes have issues and require money to be put in escrow up front to pay for repairs.
Think buying a HUD home is a great deal? Think again.
I'm located in Greenville SC. I can only share with you what my company would charge for this flat fee service. It appears that you are in Miami. Is the property located in Miami? If so I would not be able to give you any help with this question.... more