Port Orchard Homes with FHA Terms

Port Orchard Homes with FHA Terms

Port Orchard is a charming city located in Kitsap County, Washington, in the United States. Nestled in the scenic Puget Sound region, Port Orchard offers a delightful blend of small-town charm and natural beauty. With its picturesque waterfront, stunning views of the Olympic Mountains, and a vibrant downtown, this city has become a sought-after destination for homebuyers.

For those looking to purchase a home in Port Orchard, the availability of homes with FHA terms is a significant advantage. FHA (Federal Housing Administration) loans are a popular choice for many homebuyers, especially first-time buyers or those with lower credit scores. These loans offer more flexible qualification requirements and lower down payment options, making homeownership more accessible to a wider range of individuals.

With FHA terms, homebuyers in Port Orchard can enjoy the benefits of a government-backed loan, including competitive interest rates and the ability to finance home improvements or repairs. Whether you're looking for a cozy single-family home in a quiet neighborhood or a waterfront property with breathtaking views, there are numerous options available in Port Orchard that can be purchased with FHA terms.

So, if you're considering making Port Orchard your home, take advantage of the FHA terms available and explore the diverse range of homes in this beautiful city. With its idyllic location, friendly community, and affordable homeownership options, Port Orchard offers an exceptional quality of life for residents of all backgrounds.

Newest Port Orchard Homes with FHA Terms

$1,350,000
3 Beds ⋅ 3 Baths ⋅ 2569554 MLS ⋅ ACTIVE Status
Private waterfront living with sweeping views of Seattle, the Space Needle, Cascade Mountains, Blake Island and passing ferries. This beautifully custom built Southworth retreat offers private beach access, where you can launch a kayak, paddle up Curley Creek, explore the shoreline, or gather around the beachside fireplace as the sun sets. Thoughtfully designed outdoor spaces feature terraced gardens, raised galvanized garden beds, fruit trees, berry plants, new Trex decking and multiple view decks for relaxing and entertaining. A convenient boat shed keeps kayaks and waterfront gear close at hand. Inside, vaulted ceilings and expansive windows showcase the ever-changing scenery. The main level offers easy one-level living, a stunning new kitchen, designer lighting and a peaceful primary suite with a new luxury spa-inspired bath. Downstairs adds exceptional flexibility with a second kitchen added in 2025, custom built-ins, two additional bedrooms, a full bath & dedicated laundry-ideal for guests, multi-generational living or a private retreat. Enjoy the convenience of being minutes from Port Orchard, charming Manchester and the Southworth Ferry, making Seattle commuting, dining and city adventures effortless. From eagles overhead and seals in the water to kayaks gliding up Curley Creek and ferries passing by, this is more than a home-it’s a private Pacific Northwest waterfront escape where every day feels like a vacation. Enjoy the beauty & privacy of waterfront life!

7727 SE Southworth Drive, Port Orchard

Listing courtesy of Neighborhood Experts Real Est..

$664,995
4 Beds ⋅ 3 Baths ⋅ 2569575 MLS ⋅ ACTIVE Status
This beautifully designed home in desirable McCormick Village blends comfort, flexibility, and modern Northwest appeal. An open concept layout boasts wide hallways, vaulted ceilings, abundant natural light, and exceptional storage—including a generous walk-in pantry. A main floor bedroom paired with a ¾ bath creates an ideal setup for guests or multigenerational living, while a versatile main floor bonus room offers the perfect space for work or play. The living area cozies up to a natural gas fireplace, and the designer island kitchen features sleek cabinetry, a gas range, and direct access to both the backyard and garage for everyday convenience. Tech forward upgrades elevate daily living, including a built in EV charger, smart home features, and fiber capable connectivity for ultra-fast internet. Upstairs, a spacious loft provides a secondary living area, joined by large bedrooms, a full bathroom, and additional closets. The serene primary suite completes the upper level with a spa style ensuite and giant walk-in closet. Outside, the fully fenced yard delivers privacy and year-round enjoyment with a covered patio and gas hookup. The home backs a low traffic road, promising no future development directly behind. McCormick Village offers parks, trails, playgrounds, splash park, athletic courts, and golf course access, plus exciting new amenities coming soon. Energy efficient systems, modern finishes, and a thoughtful layout make this home truly turnkey!

4436 Hibiscus Circle SW, Port Orchard

Listing courtesy of Coldwell Banker Park Shore RE.

$414,777
2 Beds ⋅ 1 Baths ⋅ 2553847 MLS ⋅ ACTIVE Status
There is an hour in a Port Orchard afternoon when the mature trees out front lay long shade across the drive, and this 1961 rambler has been settling into it for six decades. Inside, 1,664 square feet unfold across two levels, beginning with a living room that catches the morning light and a pellet stove that earns its keep every October. The kitchen holds deep cabinetry and counter space within easy reach, the kind of room where dinner comes together while the conversation carries in from the next chair. Two bedrooms and a full bath sit on the main floor, single-level living so intuitive you never have to think about it. Downstairs, the partially finished lower level opens into room for a workbench, a home office, a guest space, a place to put the things a life collects, whatever this season and the next one ask for. Outside, .30 acres of Kitsap County ground, shaded and green and gated at the drive, with an attached garage and parking for five so nobody ever has to move a car to get out. Room for a garden, a fire pit, and a long table set out under the trees. Sedgwick Road, groceries, downtown Port Orchard, and the Southworth and Bremerton ferry runs are all a short drive off. No HOA here, no shared walls, no one overhead. Just a quarter acre of quiet, a good honest floor plan, and a solid mid-century house with plenty of story still ahead of it. The trees have been holding this spot a long time, waiting on whoever comes next. Pull into the shade and stay a while.

1041 Mitchell Avenue, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$515,000
4 Beds ⋅ 3 Baths ⋅ 2564989 MLS ⋅ ACTIVE Status
Welcome Home to Summer Place! Lovingly maintained by the same owner for nearly 40 years, this immaculate Port Orchard home offers the rare combination of thoughtful care, versatile living spaces, and a wonderfully private setting. Tucked back from the road, near the end of a quiet cul-de-sac (with no HOA), this 4-bedroom, 2.5-bath home feels warm and inviting from the moment you arrive. Upstairs, vaulted ceilings with a beautiful wood beam, and a cozy wood-burning fireplace create a comfortable gathering space. The primary suite features its own full bath, with two additional bedrooms & a full hall bath on the upper level. Downstairs, you'll find an expansive family room with a second wood fireplace, a 4th bedroom, laundry room & half bath, plus a versatile bonus room—perfect for an office, hobby space, or home gym. Step outside & discover your own private oasis! The deck just off the dining room is ideal for morning coffee or evening relaxation, while the spacious patio, separate sitting area and low maintenance backyard provide plenty of room to entertain, garden, or simply unwind in the peaceful surroundings. Storage sheds and a fenced dog run add to the functionality. With air conditioning, a generator, abundant storage, and a location close to parks, shopping, and easy commuter routes, this is a home designed for comfortable living in every season. After nearly four decades of exceptional care, it's ready for its next chapter. Come see why this one feels like home.

3325 SE Summer Place, Port Orchard

Listing courtesy of Sievers Real Estate.

$684,990
5 Beds ⋅ 4 Baths ⋅ 2569362 MLS ⋅ ACTIVE Status
The Shenandoah by Century Communities at McCormick Trails is a spacious 4-bedroom, 4-bath home offering 2,949 sq ft of beautifully designed living. The open-concept layout features a gourmet kitchen with walk-in pantry, large island, and expansive great room perfect for entertaining, and a private bedroom and bathroom on the main level. Upstairs includes a luxurious primary suite with dual vanities and walk-in closet, plus a versatile loft, three additional bedrooms, and two bathrooms. Enjoy easy access to WA-16, Bremerton, and Southworth ferries. Buyer's Broker must accompany &/or register Buyer at 1st visit.

5971 Thornhill Avenue SW, Port Orchard

Listing courtesy of BMC Realty Advisors Inc.

$749,990
5 Beds ⋅ 3 Baths ⋅ 2568443 MLS ⋅ ACTIVE Status
Find your peaceful PNW retreat at McCormick Trails, where miles of golf-cart-friendly paths & trails + open space meet easy access to PSNS, Naval Base Kitsap, the Seattle fast ferry & an 18-hole championship golf course. Nestled on an oversized private, protected & wooded greenbelt Lot 284, this 2741 sq. ft. Asher, a 2 story smart home has 5 bedrooms, 3 baths + Bonus Room with double doors + 3 Car Garage. The home features a main floor bedroom & bath w/a quartz topped vanity & walk-in shower. The great room boasts a GAS fireplace & opens to dining space & a large well-appointed gourmet chef's island kitchen, boasting a desk w/upper cabinetry, ideal as a buffet or homework station, a corner walk-in pantry, 42” soft-close dovetail cabinetry w/ample drawer space, a gas cooktop w/hood, built-in convection wall oven w/air fry & micro, and quartz counters. Upstairs, the bonus room & 3 bedrooms share a full bath. The primary w/en-suite bath offers a quartz topped dual sink vanity, separate tub & tiled walk-in shower, and walk-in closet. Covered Patio, landscaping, A/C, 9’ ceilings, 8’ entry & garage door, hot water recirculation, CAT-6 wiring (4 high speed FIBER internet) & R-60 insulation included. Walk 2 parks, playgrounds, pickleball, tennis & basketball courts, splash pad, off-leash dog parks & future retail/restaurants. Estimated Aug/Sept move-in. Brokers 2 register buyers before or at first visit.

6011 Thornhill Avenue SW, Port Orchard

Listing courtesy of BMC Realty Advisors Inc.

$735,000
3 Beds ⋅ 2 Baths ⋅ 2568482 MLS ⋅ ACTIVE Status
Beautifully Maintained 2023 One Story Home on Nearly 2.5 Acres! This practically new 3 bedroom, 2 bathroom home has been barely lived in and is ready for its next owner. Situated on nearly 2.5 acres, the property offers a wonderful combination of space, privacy and convenience. The open great room design features vaulted ceilings and skylights that fill the home with natural light and create a warm, inviting atmosphere. Step outside and enjoy peaceful views from the back of the home overlooking a park like setting surrounded by trees and privacy. The covered patio is the perfect spot to relax with your morning coffee or unwind at the end of the day. An additional heat pump provides added comfort during warm summer days, and the property offers convenient RV parking. Located just 10 minutes from Highway 16, you can enjoy an easy commute while still feeling tucked away in your own private setting. This is a great opportunity to own a nearly new home with plenty of room to enjoy the outdoors.

11201 Helena Trail SW, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$540,000
3 Beds ⋅ 3 Baths ⋅ 2569059 MLS ⋅ ACTIVE Status
Houses in this neighborhood don't come up for sale very often! Here's your chance to live here! It feels like you are in the middle of the woods with all the privacy! You are under 10 minutes to the freeway and just 10 minutes to the Southworth Ferry. Come take a look at the beautifully painted interior and new flooring throughout. It's nice and fresh just for you! Kitchen has been tastefully updated with an added island so you can have company visit while making a meal. Extra storage in that island too! Wander in the living room and sit in front of your uniquely retro fireplace on the chilly nights. Head downstairs and find amazing space down here! A cozy woodstove to keep you warm, a large great room/rec room/or extra living space AND an additional bonus room. Use it as a bedroom, studio, play area, you name it! What would you do with that extra space? You also have access to the back lower deck from here. Another feature downstairs is the laundry room and 3/4 bath. The doorway to this area is Extra Large as is the entry to the shower. It was crafted this way to accommodate a wheelchair. Lets go outside now, the front yard is your forest oasis and the backyard is yours to do whatever you want with! You have a large lower deck with stairs that go up to a HUGE upper deck with access to the dining room and the Primary Bedroom. This home is just waiting for someone to love it, is that you?

5340 Wayne Place SE, Port Orchard

Listing courtesy of Coldwell Banker Bain.

$495,000
3 Beds ⋅ 2 Baths ⋅ 2567841 MLS ⋅ ACTIVE Status
Welcome home to this beautifully remodeled 3-bedroom, 2-bath home in a great Port Orchard location! Thoughtfully updated from top to bottom, this charming home features a main-floor primary bedroom, updated electrical and plumbing, energy-efficient windows and doors, and updated exterior siding. The inviting living room offers a cozy gas fireplace, while the updated kitchen features stainless steel appliances, elegant Carrara marble countertops, and a charming built-in breakfast nook. Barn doors throughout add character and charm, while a spacious upstairs bonus room provides flexibility for a 4th bedroom, office, or additional living space. Outside, enjoy a large yard with mature fruit trees, RV parking, hot tub, deck and patio spaces, plus plenty of room to garden, landscape, entertain and make the space your own. A large workshop/storage area adds even more versatility. Beautifully updated, full of character, and ready to enjoy!

1224 West Avenue, Port Orchard

Listing courtesy of Real Broker LLC.

$535,000
3 Beds ⋅ 3 Baths ⋅ 2567988 MLS ⋅ ACTIVE Status
Tucked away on a private dead-end street in the desirable South Kitsap School District, this 3-bedroom, 2.5-bath home offers 1,751 sq ft of comfortable living on a generous 19,602 sq ft lot. Mature fir trees surround the property, creating a peaceful, secluded setting with tons of parking and room to explore! The main level features a spacious living room with soaring vaulted ceilings and a cozy wood-burning stove. The kitchen flows into a versatile bonus living area that can easily serve as a second living room, home office, game room or flex space. From the bonus area, step onto the large second-level deck and take in the serene, tree-lined surroundings. Upstairs are three bedrooms, including a private primary suite with its own deck overlooking the back yard. Beyond the fenced property, a walking trail leads toward a nearby pond, adding to the area’s natural charm. Enjoy the covered front porch, new roof installed in 2023, and the privacy of a wooded setting while remaining close to everyday conveniences, freeway access, military bases and ferries. A wonderful opportunity to experience the tranquility and beauty of Pacific Northwest living

10015 Jimi Place SW, Port Orchard

Listing courtesy of Coldwell Banker Danforth.

$465,000
3 Beds ⋅ 2 Baths ⋅ 2568098 MLS ⋅ ACTIVE Status
First time on the market for this well-maintained Port Orchard rambler! Set on a gorgeous, level corner lot, this property offers plenty of room for RVs, trailers, oversized vehicles and all your projects, with a circular driveway, detached garage/workshop, carport and several outbuildings. Mature landscaping and established fruit trees add charm and character to the spacious grounds. Inside, this cozy and well-loved home offers a bright, open and airy feel with vaulted ceilings and abundant natural light. The open kitchen flows easily into the spacious family room, while a separate living room provides additional gathering space. Generous primary suite features a private bathroom and walk-in closet. Forced-air heat plus an A/C heat pump keeps things comfortable year-round. A rare opportunity with room to live, work, garden and enjoy! Come see!

8700 Orchard Avenue SE, Port Orchard

Listing courtesy of PropertiesNW of Gig Harbor Ltd.

$899,000
4 Beds ⋅ 2 Baths ⋅ 2567761 MLS ⋅ ACTIVE Status
Welcome to your beach house! This tri-level gem offers breathtaking views of the Olympic mountains and Sinclair Inlet. Beautifully designed to bring the outside in, with a wall of windows drenching the main living space and entire top floor in natural light. Built with the savvy homeowner in mind, this home includes triple coated windows, A/C providing cool summer days, durable LVP flooring and is generator- ready. With a finished basement perfect for movie night and two suites upstairs that serve as private retreats. Step out onto your gazebo covered patio for year round outdoor fun and a beautifully matured backyard oasis with a private irrigation well. An oversized fully insulated two-car garage and bonus concrete pad on just under an acre provides plenty of space for your boat or rv at this hillside sanctuary! Welcome home.

2485 Beach Drive E, Port Orchard

Listing courtesy of Coldwell Banker Danforth.

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