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

$734,990
5 Beds ⋅ 3 Baths ⋅ 2574861 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 471, this 2741 sq. ft. Asher, a 2 story smart home has 5 bedrooms, 3 baths + Bonus Room with double doors + rare 3 Bay 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. On demand unaccompanied self tours via Nter Now accessible from 7am-8:45PM.

4183 SW Rustler Street, Port Orchard

Listing courtesy of BMC Realty Advisors Inc.

$390,000
3 Beds ⋅ 2 Baths ⋅ 2575320 MLS ⋅ ACTIVE Status
MOVE-IN READY & FULLY REMODELED! One of the few fanciable homes in Kitsap County under $400,000! Welcome home to this beautifully updated 3-bedroom, 2-full-bath manufactured home in a convenient Port Orchard location! Thoughtfully remodeled throughout, this home offers the fresh, modern feel buyers are looking for—without the hassle and expense of taking on a major renovation.Enjoy the added peace of mind of a brand-new roof and a comfortable floor plan with plenty of room to live, relax and entertain. The location is hard to beat, with grocery stores, restaurants and everyday conveniences within approximately 2 miles, plus easy access to Highway 16 for convenient commuting.Commuters will appreciate the convenient proximity to Bremerton, the Bremerton-Seattle ferry terminal and Naval Base Kitsap-Bremerton, making this a great location for those who work in Bremerton or need access to the ferry.Whether you're a first-time buyer, downsizing, or simply looking for an affordable, move-in-ready home, this is an opportunity to enjoy a beautifully remodeled home in a convenient Port Orchard location. Pack your bags and move right in—your next chapter starts here!

4357 W Pleasant Street, Port Orchard

Listing courtesy of Keller Williams West Sound.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2575260 MLS ⋅ ACTIVE Status
Secluded but right in town, this jewel of a rambler has it all. Updated throughout with 3 bedrooms and 2 baths with a large wrap around deck. The front porch is covered and there's also a gazebo perfect for barbecuing anytime of the year. The fenced back yard has a raised bed for growing whatever suits your fancy and a large shed to store all your goodies. Inside the house is LVP throughout so no smelly or messy carpets. The kitchen has a 10 long eating bar and lots of beautiful cabinets. But if that's not enough space, don't worry because the charming walk-in pantry gives you even more storage. The living room has an electric fireplace for cozy nights at home with 2 large windows looking out at the forest. This home is truly a hidden gem and very private since the house is the only one down this street but still in downtown Port Orchard. The best of both worlds. The primary bedroom has an attached bathroom with a custom walk-in shower, double sinks and even the stacked washer/dryer right there. No lugging laundry. This home has lots of charm and special touches through out. Don't miss this one of a kind home.

288 Decatur Avenue, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$499,500
3 Beds ⋅ 2 Baths ⋅ 2575236 MLS ⋅ ACTIVE Status
Tucked at the end of a quiet Conifer Park cul-de-sac, this is the kind of home that feels easy to settle into—morning coffee in a quiet neighborhood, evenings gathered around the downstairs fireplace, and a fenced backyard with room for pets, summer barbecues, or simply enjoying a little space of your own. Inside, there’s room to live without feeling disconnected, with comfortable gathering spaces upstairs and a lower level that gives the home a whole second personality. The bonus room, complete with a fireplace and closet, could become the movie room everyone gravitates toward, a home office, gym, playroom, guest space, or whatever your next chapter needs it to be. A brand-new roof, brand-new water heater, fresh interior and exterior paint, and updated bathrooms have already been taken care of. The kitchen features well-kept white cabinetry and granite countertops, while the primary bedroom offers the privacy of its own bath. Outside, the fully fenced backyard has just been freshly hydroseeded and is ready for someone to make it their own. With 3 bedrooms, 1.75 baths, 1,714 sq ft, a generous 13,504 sq ft lot, and an oversized 550 sq ft attached garage, there’s a surprising amount of space here to call your own. Convenient to schools, shopping, recreation, and the Southworth Ferry, this is more than a move-in-ready house at $499,500—it’s a place that feels ready to become home.

2715 Lodgepole Drive SE, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$810,000
4 Beds ⋅ 2 Baths ⋅ 2573648 MLS ⋅ ACTIVE Status
Step into the charm of a beautifully remodeled 1930s farmhouse set on 1.66 acres, thoughtfully designed for comfortable living and a true mini-farm lifestyle. This 4-bedroom, 2-bath home blends timeless farmhouse character with modern updates. The upper level is dedicated to an impressive primary suite, complete with a luxurious five-piece ensuite bath with soaking tub, shower and dual sinks - your own peaceful retreat at the end of the day. Highlights include a spacious kitchen with stone countertops, high-end stainless appliances, large breakfast bar, and a butler's pantry. An open floor plan on main level with 3-bedrooms and full bathroom, living & dining rms and cozy wood-burning fireplace. Outside, the possibilities are endless with an entertainment size deck, detached garage and carport. The fully fenced and gated property features a barn with four stalls, chicken coop, fully cross-fenced pastures - perfect for goats and other farm animals. Plenty of room for gardens to grow your own produce, along with fruit trees - cherry, pear, hazelnut and plum, while generous RV and boat parking provides room for all your recreational toys, including electrical vehicle and RV plug-in. With its combination of classic farmhouse appeal, stylish updates, usable acreage, and versatile outbuildings, this property offers a rare opportunity to embrace the mini-farm lifestyle without sacrificing comfort and amenities. Close to nature trails, schools, shops and Navy bases. Welcome HOME!

5253 Banner Road SE, Port Orchard

Listing courtesy of John L. Scott, Inc..

$449,990
4 Beds ⋅ 2 Baths ⋅ 2574896 MLS ⋅ ACTIVE Status
Welcome to 817 Kendall St, a charming two-story home tucked away at the end of a quiet street while remaining conveniently close to downtown Port Orchard. Offering 4 bedrooms and 2 bathrooms across approximately 1,152 square feet, this home provides a functional layout with bedrooms on both levels and comfortable living spaces throughout. The main level features an inviting living area that flows into the kitchen, with abundant natural light throughout the home. A side deck provides an easy extension of the living space and a pleasant spot to enjoy the surrounding setting. The upper level offers additional bedrooms and a bathroom, providing flexibility for guests, an office, or additional living needs. Situated on a 6,098-square-foot lot, the property offers a great combination of convenience and privacy. Downtown Port Orchard, waterfront access, dining, parks, and the ferry terminal are all just minutes away, making it easy to enjoy the amenities of the area while still having a home tucked away from the main thoroughfare. With its desirable central Port Orchard location, flexible four-bedroom layout, and comfortable indoor and outdoor living spaces, 817 Kendall St is an excellent opportunity to own a home close to the best of the South Kitsap waterfront community. Don't miss the private access to the unfinished basement that could add a ton of future value to the property.

817 Kendall Street, Port Orchard

Listing courtesy of Realty One Group Turn Key.

$629,000
4 Beds ⋅ 2 Baths ⋅ 2574476 MLS ⋅ ACTIVE Status
Classic 1933 Port Orchard charm—just blocks from the waterfront! Set directly across from Clayton Playground, this character-filled home enjoys partial views of Sinclair Inlet and the Olympic Mountains. Inside, original hardwood floors, custom built-ins and rich woodwork reflect the craftsmanship of another era. At the heart of the living room is a beautiful old-world fireplace featuring brick from Port Orchard’s historic SK Brick Co. The bright kitchen combines butcher-block counters, a farmhouse sink and abundant cabinetry with an adjoining butler’s pantry; offering connection to the dining room. Primary on main level with beautiful builtin's and glass doorknobs throughout. Downstairs, a separate entrance, second kitchen, bedroom and living area create wonderful flexibility for extended living, guests, a private retreat or rental potential. Outside, enjoy a spacious fenced backyard, inviting front patio and attached garage. All of this near downtown Port Orchard, the marina, waterfront trails, shops and dining—with the Port Orchard Foot Ferry offering an easy connection to Bremerton and onward service to Seattle.

916 Dwight Street, Port Orchard

Listing courtesy of Keller Williams Realty PS.

$995,000
4 Beds ⋅ 3 Baths ⋅ 2574730 MLS ⋅ ACTIVE Status
Experience the best of waterfront living with unobstructed views of Puget Sound, Bremerton city lights and the Olympic Mountains. The sale includes .86 acres of privately owned tidelands with an impressive 279 ft of waterfront directly in front of the home, creating a rare connection to the water just steps from your door. Launch a kayak, explore the tide flats, fish from the shoreline, cold plunge or watch whales, wildlife and passing boats. Spectacular sunsets, ever-changing marine activity and front-row views of the Manette Bridge Blast fireworks make this setting special year-round. Inside, soaring 19-ft ceilings and dramatic floor-to-ceiling windows make the water the backdrop from the garage to the top floor. Hardwood floors, shutter-style blinds and a 2-sided fireplace complement the open living spaces, while the oversized kitchen offers granite counters and new stainless refrigerator and dishwasher. A heat pump provides year-round comfort. The primary suite feels like it's floating above the water with a vaulted ceiling, expansive windows, 5-piece bath and walk-in closet. Main-level laundry and loft add versatility. The approx. 1,200 sq ft garage/unfinished lower level offers incredible storage and workroom space, an EV charger and water views of its own. Outside, enjoy the view deck with no power lines interrupting the view, this home is equally suited for everyday living or a memorable getaway. Just 2 miles to downtown Port Orchard and the foot ferry to Bremerton.

1989 Beach Dr E, Port Orchard

Listing courtesy of Infinity Real Estate, LLC.

$999,999
3 Beds ⋅ 3 Baths ⋅ 2564256 MLS ⋅ ACTIVE Status
Some properties simply give you more room to live the way you’ve imagined. Across 5.14 private, fully fenced acres, this 3-bedroom, 3-bath Douglas Fir Log home offers 3,528 Square feet shaped by warmth, craftsmanship, and a connection to the outdoors. The finished basement adds generous living space and a versatile bonus room, while outside, established equestrian grounds, a producing vegetable garden, and usable acreage invite you to make the land your own. A 42x60 detached heated shop with walk-in cooler creates serious space for projects and hobbies. Dedicated RV parking with a large carport, a circular driveway, and 2-car garage round out a property intentionally curated and lovingly maintained for those who value acreage, animals, and life outdoors. This is more than a home; it’s a lifestyle and a rare opportunity to own a property truly unlike any other.

4367 SE Skyhawk Lane, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$699,777
4 Beds ⋅ 3 Baths ⋅ 2570485 MLS ⋅ ACTIVE Status
Some nights the last light on this cul-de-sac comes from the shop. Twenty-four by thirty feet of it, 220 power at both ends, doors rolled up on something that started Saturday and is not finished yet. The house waits up the drive, set back under firs on nine-tenths of an acre in Port Orchard's Horizon West, and it has been somebody's for a long time. You feel that before you reach the door, where water moves quietly beside the front step. Inside, the ceiling lifts and 2,290 square feet open up. A fireplace holds the living room and the windows hand you nothing but green. The dining room has seen a lot of long evenings and would like a few more. Four bedrooms in all, the primary on the main behind a remodeled bath with custom cabinetry and a tile shower. Downstairs the lower level finishes out warm, a second fireplace, a room wide enough to gather in, and everything that hums kept politely out of earshot. August and January both get handled, heat pump and central air. Then the slider opens and the day goes outside. Trex deck, hot tub steaming in the cold, an outdoor fireplace, a fire pit, garden beds, a shed, sprinklers holding the green through July. Level, wooded South Kitsap acreage, territorial views, and a treeline that does what a fence would. RV parking and a 30 amp hookup wait near the workshop, room for the boat, garage and carport besides. Sedgwick and Highway 16 sit minutes out, Kitsap County all around it. Leave the shop light on. Somebody should be using it.

3073 SE Misty Court, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$425,000
3 Beds ⋅ 1 Baths ⋅ 2572256 MLS ⋅ ACTIVE Status
Welcome to this inviting 3-bedroom, 1-bath rambler in Port Orchard, offering comfortable single-level living and a spacious layout designed for everyday living and entertaining. Step inside to a large living area filled with natural light, creating a warm and welcoming atmosphere throughout the home. The living room flows seamlessly into the eat-in kitchen, providing an open connection between the two spaces. A sliding door leads directly to the large, fully fenced backyard, offering a wonderful extension of the living space and room to enjoy the outdoors. The generous yard provides flexibility for gardening, recreation, entertaining, or simply relaxing in the fresh air. A large shed offers valuable additional storage for tools, equipment, and outdoor essentials. Convenient RV and boat parking adds versatility for storing larger recreational vehicles or gear. With its functional floor plan, abundant natural light, spacious backyard, and useful outdoor storage, this Port Orchard home offers a great combination of comfort, convenience, and potential. Come see all this property has to offer!

982 SW Shannon Drive, Port Orchard

Listing courtesy of Redfin.

$575,000
4 Beds ⋅ 3 Baths ⋅ 2574023 MLS ⋅ ACTIVE Status
Welcome home to Emelia Landing, a quiet little pocket in the heart of Port Orchard. This two-year-old Richmond American resale lives like brand new! Premium placement on a prime end lot allows you to enjoy ultimate privacy while overlooking a scenic, peaceful greenbelt. Inside, the flowing main-level layout leads into a gourmet kitchen featuring quartz countertops, a full-height subway tile backsplash, a center island & a spacious walk-in pantry. The kitchen seamlessly connects to the great room, which comes complete with a custom media niche & cozy gas fireplace. Upstairs, the expansive primary suite boasts a private bath & large walk-in closet, three additional bedrooms, another full bath, laundry & versatile loft space. High-end finishes like luxury vinyl plank flooring, custom blinds & chic fixtures elevate the home throughout. Beat the heat with central AC inside or spend your time outside on your extended 10x18 covered patio, equipped with a gas BBQ hookup, firepit & ambient lighting overlooking the peaceful scenery while still having ample yard space for fetch, a game of catch or cornhole too. You will feel far from it all, yet you are just minutes from Highway 16, daily shopping & dining, great schools, South Kitsap Regional Park & the awesome Port Orchard Waterfront Boardwalk!

6243 Windlass Avenue SE Unit #12, Port Orchard

Listing courtesy of Keller Williams Realty PS.

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