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Washington assumable mortgages VA FHA USDA Mount Rainier real estate guide

Kitsap County Assumable Mortgage Homes for Sale

Explore VA, FHA and USDA assumable mortgage listings in Bremerton, Silverdale, Poulsbo, Port Orchard and Bainbridge Island. Kitsap's ferry access, military employment and varied price points make it important to compare total payments and assumption equity gaps carefully.

Which Loans May Be Assumable?

VA Loan Assumptions

VA-backed loans can sometimes be assumed by qualified buyers, including non-veterans. Confirm lender/servicer approval, release of liability and any effect on the seller's VA entitlement.

FHA Loan Assumptions

FHA-insured mortgages may be assumed under applicable credit and servicer requirements. Review the interest rate, remaining term, mortgage insurance and processing fees.

USDA Loan Assumptions

USDA assumption terms depend on the loan program and agency requirements. Eligibility, approval and whether existing terms carry over must be confirmed with the servicer.

How to Buy a Home With an Assumable Mortgage

Military-connected buyers should confirm whether a VA assumption affects the seller's entitlement and whether substitution is possible. Start by asking the seller for the loan type, interest rate, balance, remaining term and servicer. Request the servicer's written assumption procedures before relying on the advertised financing.

  1. Compare the purchase price with the remaining loan balance to estimate the equity gap.
  2. Confirm borrower qualification, occupancy rules, fees and expected processing time.
  3. Discuss whether permitted secondary financing or cash will cover the gap.
  4. Ensure the seller receives the required release of liability; check VA entitlement where relevant.
  5. Coordinate closing timelines with the servicer, title company and real estate contract.

Example: The Equity Gap

For a $550,000 purchase with a $410,000 assumable mortgage balance, the buyer needs to fund a $140,000 difference plus closing costs. A favorable existing interest rate does not eliminate the equity gap or guarantee qualification.

Selling a Kitsap County Home With a Low-Rate Mortgage?

Get a property-specific valuation based on nearby closed sales and competing active homes. We can help evaluate whether a verified assumable mortgage is a useful marketing advantage while protecting your position as the seller.

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Explore Related Assumable Mortgage Markets

Washington Assumable Mortgage Guide | King County | Pierce County | Thurston County

Newest Kitsap County Homes Advertised With Assumable Financing

Listings below are based on MLS marketing terms, not independently verified lender approvals. Confirm the availability and exact terms with the loan servicer.

Newest Kitsap County Assumable Mortgage Listings

19144 NW Clear Creek Rd, Poulsbo
$1,090,000
4 Beds ⋅ 3 Baths ⋅ 2597162 MLS ⋅ ACTIVE Status
Escape to a private 4.83-acre retreat where tranquility meets incredible utility. This expansive property is a rare find, offering a seamless blend of natural beauty and thoughtful infrastructure. The main residence spans 2,888 square feet with four bedrooms and 2.5 bathrooms designed specifically to embrace an indoor-outdoor lifestyle. An energy-efficient heat pump ensures year-round comfort, while the pre-wired generator hookup provides added peace of mind. The exterior is a dream for those who love space and hobby-driven living. Car enthusiasts and creators will appreciate the 900-square-foot attached three-car garage, complemented by a detached 772-square-foot two-car garage. Above the detached garage sits a fully appointed 1,000-square foot ADU an ideal setup for a guest suite, a long-term rental, or a dedicated home office. plumbing is all stubbed in. The grounds themselves are a playground of possibilities, featuring established trails, a dedicated garden area, and unexpected touches like swaying palm trees. Relax on the covered porch and take in the local wildlife or utilize the convenient RV hookup for your next adventure. While you'll feel worlds away in this secluded setting, the convenience of downtown shopping and dining is just a short trip away. Adding even more value to this unique package is a VA assumable loan at a remarkable 2.25% interest rate approx balance of $405,000

19144 NW Clear Creek Rd, Poulsbo

Listing Broker: Coldwell Banker Bain; Daniel Krois; 360-981-3535; daniel.krois@cbrealty.com

1685 NE Halden Glen Drive, Poulsbo
$734,000
5 Beds ⋅ 3 Baths ⋅ 2591775 MLS ⋅ ACTIVE Status
Ask about assumable VA loan at 4.99%!! Built in 2023 this new Calavista home showcases one of the community's most desirable floor plans. Where modern comfort meets the charm of Poulsbo w/ Peekaboo mountain views—the beloved "Little Norway" of the Pacific Northwest. This beautifully designed 5-bedroom home offers the perfect balance of space, style, & everyday functionality. From the moment you step inside, you'll appreciate the open-concept design featuring quartz countertops, stainless steel appliances, soft-close cabinetry, a spacious island, inviting living spaces made for gathering, and custom features. The flexible main-floor bedroom & ¾ bath provide the perfect setup for guests, multigenerational living, or a private home office. Upstairs, retreat to the spacious primary suite, where views of the Olympic Mountains greet you each morning. Unwind in the spa-inspired ensuite featuring a deep freestanding soaking tub positioned to take in the peaceful scenery. Three additional bedrooms, a versatile loft, & an upstairs laundry room complete the second level. Outside, enjoy a private patio overlooking a tranquil greenbelt, low maintenance back yard and a fully fenced—ideal for summer BBQs, entertaining, or simply relaxing after a long day. Just minutes from Poulsbo's waterfront, locally owned shops, restaurants, parks, marinas, & easy commuting options, this home offers the lifestyle you've been waiting for.

1685 NE Halden Glen Drive, Poulsbo

Listing Broker: Paramount Real Estate Group; Angelyna Welch; 360-710-6334; hello@livingpnwrealestate.com

2072 Sidney Avenue, Port Orchard
$549,950
5 Beds ⋅ 3 Baths ⋅ 2591290 MLS ⋅ ACTIVE Status
Welcome home to this expansive 5-bedroom, 3-bathroom home situated on a massive lot in a highly sought-after Port Orchard location. Perfect for outdoor enthusiasts and homesteaders alike, this property boasts a huge, dedicated garden area and mature fruit trees, offering a private backyard oasis right in town. The main level welcomes you with spacious living areas and a large, functional kitchen equipped with premium pull-out drawer cabinetry and a dedicated pantry. Unwind in the inviting living room centered around a cozy gas fireplace, or step outside onto a massive, low-maintenance Trex deck—the perfect spot to relax and overlook your impressive garden and fruit-bearing trees. The main floor also features spacious bedrooms, including a primary suite with a private en-suite bathroom. The fully finished lower level serves as an ideal setup for multi-generational living, guests, or entertainment. It features a second large family room, a versatile bonus room, a built-in wet bar, additional bedrooms, a private office space, and a dedicated laundry room equipped with an efficient, on-demand tankless hot water system. Storage is never an issue with deep closets throughout, and the exterior includes dedicated RV parking with 220-volt power and plenty of room for vehicles and outdoor gear. Don't miss this rare opportunity to own a spacious, turn-key home with an incredible outdoor footprint!

2072 Sidney Avenue, Port Orchard

Listing Broker: Better Properties Gig Harbor; Nathan Sharp; 360-277-1995; nathan@firefightingbroker.com

3000 Ruby Court SE, Port Orchard
$474,000
3 Beds ⋅ 2 Baths ⋅ 2571107 MLS ⋅ ACTIVE Status
ASSUMABLE VA LOAN! Single-story NW Contemporary home located on Ruby Court in Port Orchard and move-in ready. This light filled Rambler features both an open central great/living room concept with additional family room off the kitchen. The home offers 3 bedrooms, 2 full baths, fireplace, updated kitchen with stainless steel appliances, and utility room. Additional storage space available in kitchen, hallway, and utility room. Sliders between kitchen and family room offer extra walk-out entertainment space to a spacious full length outdoor patio which includes a nice privacy fence. Ideal for BBQ's, gathering, pets, or simply enjoying the outdoors. Primary bedroom has full en-suite bath. The other 2 bedrooms share a hall full bath. Oversized corner lot offers additional parking for RV, boats, and vehicles. Garage is finished, heated, and includes extra storage space for recreational toys. Garage can be easily walled off for an additional bonus/flex room. Property also includes metal shed to store yard and garden tools. Great location with easy access to shopping, restaurants, schools, downtown Port Orchard, Hwy 16, transit, and Port Orchard/Bremerton foot ferry. Walking distance to South Kitsap Regional Park Athletic Fields - features 3 ballfields (baseball/softball/soccer), hiking trails, playground, skate park, and picnic area. This Port Orchard gem delivers exceptional value and lifestyle. Perfect home for those seeking location, privacy, and convenience!

3000 Ruby Court SE, Port Orchard

Listing Broker: Every Door Real Estate; Neil Swanson; 360-271-8544; neils@everydoorrealestate.com

1374 Ahlstrom Road E, Port Orchard
$995,000
4 Beds ⋅ 3 Baths ⋅ 2585122 MLS ⋅ ACTIVE Status
Rest easy under a new roof with assumable VA loan for qualified buyers. Rare waterfront setting with room to truly enjoy. Set on a stately corner lot, this home is cradled by nature with Sound views out front, and a storybook sanctuary of stream, pond, towering willows, and visiting wildlife tucked behind. Graduated decks and mature lawn connect the home to Beach Drive tidelands, while the Annapolis foot ferry is just half a mile away, putting an easy commute and a fun night out within reach. Inside, Sinclair Inlet views are visible from nearly every room. The primary suite is a true retreat: ensuite bath with jetted tub, walk-in closet, and view balcony are made for peaceful moments. Dedicated media room with surround sound, and three additional bedrooms easily accommodate guests, movie nights, and a home office. No compromises necessary! Multiple living and dining spaces, both everyday and elegant, flow seamlessly to the outdoors. Major improvements done by seller include: new roof, carpet in primary, kitchen appliances and newly installed hickory hardwoods for warmth and lasting quality throughout. This upgraded smart home makes daily life a breeze: whole-house vacuum, intercom, security system, tankless water heater, air purifiers, and heat pump help you breathe easily. Add a huge attached garage with shop and RV hookup, and you have it all: environment, ease, and exceptional value, move-in ready and waiting. Veterans take note: 2.99% assumable VA loan available!

1374 Ahlstrom Road E, Port Orchard

Listing Broker: Windermere Real Estate Co.; Rachel Gourdana; 206-851-2932; rachelgourdana@windermere.com

5364 Pineridge Drive NE, Bremerton
$554,990
4 Beds ⋅ 3 Baths ⋅ 2583639 MLS ⋅ ACTIVE Status
Welcome to this spacious home with room for everyone! Offering 4 bedrooms plus a dedicated office/den, this home combines generous living spaces with abundant natural light. Nicely updated kitchen features loads of cabinet & workspace, a new stove & refrigerator, and is ready for everyday living or entertaining. The formal dining room opens to the deck—perfect for BBQs. Lovely oversized living room includes soaring windows, vaulted ceilings, a cozy fireplace & a bright, open feel. The primary suite offers a private bath, slider to the deck & a comfortable retreat at the end of the day. You’ll love the large rooms throughout and the flexibility this home provides. Downstairs, the spacious family room with a powerful insert is perfect for movie nights, game days or simply relaxing. Beautiful flooring throughout, including newer wood laminate downstairs, plus newer lighting fixtures & ceiling fans. Tech lovers will appreciate the extensive hardwired Ethernet network throughout the home—ideal for a home office, gaming & high-speed streaming—plus a 6-camera ADT CCTV security system. Outside, enjoy a large fenced backyard with plenty of room for gardening, entertaining or play. Located in a friendly, established neighborhood with great schools and convenient access to shopping, dining, services & everyday amenities. A wonderful home with space to spread out, settle in & make great memories.

5364 Pineridge Drive NE, Bremerton

Listing Broker: Coldwell Banker Bain; Connie Baker; 360-509-7399; connie.baker@cbrealty.com

1941 Hardway Lane, Bremerton
$499,000
3 Beds ⋅ 3 Baths ⋅ 2575708 MLS ⋅ ACTIVE Status
MOTIVATED SELLERS!!! Set on a quiet private road in Bremerton's West Hills neighborhood, this 3% ASSUMABLE & PRE-INSPECTED 2019-built tri-level gives you 2,537sf, 3 bedrooms, and 2.5 baths with room to spread out across three levels. No HOA!!! The main floor is built for how people actually live — an open kitchen, dining, and living area that flows together, with two-tone wood cabinetry, slab granite counters, a spacious pantry, and stainless appliances. Step out to the deck off the main level, take in the view of Sinclair Inlet, and look over a fully fenced, level backyard that's low maintenance.Upstairs, the primary suite has its own en-suite with a soaking tub and separate shower, plus two more bedrooms and a full bath. The lower level flexes to whatever you need — rec room, home office, gym, or guest space. Ductless mini-split heating and cooling keeps the main level comfortable year-round while the attached two-car garage plus off-street parking handles the vehicles and gear.Location is the quiet advantage here. You're minutes from Highway 3, which makes the commute to Puget Sound Naval Shipyard, Naval Base Kitsap-Bangor, and the Bremerton ferry terminal genuinely easy — whether you're heading to the yard, catching the fast ferry to downtown Seattle, or driving south on Highway 16 toward Tacoma and JBLM. West Hills STEM Academy sits right in the neighborhood, St. Michael Medical Center in Silverdale is a short drive north..

1941 Hardway Lane, Bremerton

Listing Broker: eXp Realty; Tiffany Weil; 360-775-8515; Tiffanyweil.godspeed@gmail.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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