Port Orchard Homes with USDA Loan Terms

Port Orchard Homes with USDA Loan Terms

Port Orchard is a charming city located in Kitsap County, Washington. Situated in the beautiful Pacific Northwest region of the United States, Port Orchard offers a picturesque setting with a small-town feel. With its proximity to Seattle, residents can enjoy the benefits of both city and suburban living.

One of the advantages of living in Port Orchard is the availability of homes with USDA loan terms. The USDA loan program provides eligible homebuyers with a unique opportunity to purchase a property with favorable terms. These loans are backed by the United States Department of Agriculture and are designed to support rural and suburban homeownership.

With USDA loan terms, homebuyers can benefit from low interest rates, flexible credit requirements, and the option for zero down payment. This makes it easier for individuals and families to achieve their dream of homeownership in Port Orchard.

Whether you're a first-time homebuyer or looking to upgrade to a larger property, Port Orchard offers a variety of housing options to suit different needs and budgets. From cozy single-family homes to spacious townhouses, there is something for everyone.

In addition to its affordable housing options, Port Orchard boasts a thriving community with excellent schools, parks, and recreational facilities. Residents can enjoy outdoor activities such as hiking, boating, and fishing, thanks to the city's proximity to the Puget Sound and surrounding natural areas.

If you're considering buying a home in Port Orchard, exploring the USDA loan terms could be a great option to make your homeownership dreams a reality. Contact a local real estate agent to learn more about the available properties and how you can take advantage of this opportunity.

Newest Port Orchard Homes with USDA Loan Terms

$599,777
5 Beds ⋅ 3 Baths ⋅ 2570144 MLS ⋅ ACTIVE Status
Late afternoon light climbs the stairwell of this 2022-built two-story in Magnolia Ridge, East Port Orchard, and settles over 2,523 square feet that still smell faintly new. Five bedrooms, 2.75 baths, and a main floor that opens all at once. The island kitchen anchors it, slab quartz catching the glare, stainless appliances, a gas range, soft-close cabinetry, a breakfast bar wide enough to lean on, and a walk-in pantry that swallows a full grocery run without complaint. It spills straight into the great room, where a gas fireplace waits on the first cold night of October, and into a dining room built for a long table. A bedroom near the entry answers whatever the week asks of it, guest room, home office, or the quiet corner nobody fights over. Upstairs, a loft holds the in-between hours, the utility room sits where the laundry actually happens, and the primary suite closes the day behind a walk-in closet and a dual-vanity bath. Outside, cement plank siding, a fully fenced yard, a patio built for long July evenings, sprinklers already in the ground, and a territorial view over an easy-care 3,920 sq ft lot. Central air, a heat pump, solar panels, and a two-car attached garage keep the whole thing efficient and uncomplicated through every Kitsap County season. The Southworth ferry to Seattle is minutes away, with Sedgwick Road shopping closer still. Newer construction, carefully kept, nothing left on the list. And finished waiting. Come stand in that light and stay a while.

4384 Acacia Lane SE, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$529,777
4 Beds ⋅ 3 Baths ⋅ 2571130 MLS ⋅ ACTIVE Status
Morning arrives here through tall evergreens, filtered and unhurried, and by the time it reaches the upper windows of this Traditional two story in McCormick Woods, the whole house has gone warm. Port Orchard's golf community holds 1,932 square feet across two levels, four bedrooms above a main floor that opens the way you actually live. Entry to living room, a fireplace holding the center, a kitchen with eating space flowing into a separate dining room for the meals worth sitting down for, and a half bath tucked exactly where it belongs. New hardwood runs the length of that main floor and quartz counters finish the kitchen, the kind of updates you feel underfoot before you think to name them. Upstairs the four bedrooms gather, including a primary suite with its own bath and a walk-in closet, a second full bath, a three quarter bath, and the utility room on the same floor as the laundry it serves. High efficiency forced air heating and cooling keeps August comfortable and February kind. Double pane windows, cement plank siding, a composition roof, and the washer, dryer and refrigerator all staying put. Outside, the fully fenced yard stays level and low maintenance, with garden space, a patio built for long evenings and a territorial view past the rooflines. Two car attached garage plus four uncovered. Beyond the fence, the clubhouse, the golf course, the athletic court, the park and miles of Kitsap County trails. The porch light is on. Come see what home feels like.

4589 Strathmore Circle SW, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$614,995
5 Beds ⋅ 3 Baths ⋅ 2571610 MLS ⋅ ACTIVE Status
Welcome to phase 4 DR Horton at Stetson Heights, our new home community in gorgeous Port Orchard. The timeless CAMBRIDGE boasts a wonderful great room design w/ a large kitchen island, gas cooking w/ stainless appliances, slab quartz counters, soft-close cabinets, eating nook, & dining room. Upstairs, you'll love the 5 bedrooms (or turn the bonus into a fifth bedroom), 2 baths, and utility room. A/C and smart home features included! Fully landscaped. Enjoy open spaces, scenic views, majestic sunrise & sunsets at Stetson Heights. The Port Orchard waterfront and marina is a great place for community events. Buyers must register their broker on their first visit.

5910 Ivanoff Lane SW Unit #19, Port Orchard

Listing courtesy of D.R. Horton.

$469,000
3 Beds ⋅ 3 Baths ⋅ 2569819 MLS ⋅ ACTIVE Status
Welcome to 7175 E Raintree Lane! This inviting Port Orchard home offers a comfortable blend of everyday functionality and Pacific Northwest living. With 3 bedrooms and 2.5 baths, there is room to spread out, work from home, and settle into a space that feels like home. The thoughtful floor plan provides comfortable living spaces while the generously sized lot offers room to enjoy the outdoors. Located in a convenient Port Orchard setting, you'll appreciate easy access to local shopping, dining, recreation, and the many amenities that make South Kitsap such a great place to call home. Whether you're looking for your first home, a place to put down roots, or an opportunity to make a home your own, this Raintree Lane property is ready for its next chapter.

7175 E Raintree Lane, Port Orchard

Listing courtesy of Windermere RE West Sound Inc.

$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.

$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 + 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.

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.

$475,000
3 Beds ⋅ 2 Baths ⋅ 2567183 MLS ⋅ ACTIVE Status
Welcome home to this charming Craftsman-style home with a daylight basement, tucked against a private wooded backdrop. Abundant windows fill the home with natural light, while the spacious entertaining deck creates the perfect place to relax, gather, and enjoy the peaceful surroundings. Featuring 3 bedrooms, 2 bathrooms, and plenty of storage throughout, the home offers a comfortable and functional layout. Outside, enjoy a fenced front yard with level lawn space and a backyard surrounded by mature trees for added privacy. A newer 30-year architectural roof, heat pump, and central air conditioning provide comfort and peace of mind year-round. Enjoy quiet, tucked-away living while still being conveniently close to downtown, shopping, dining, and everyday amenities.

918 Taylor Street E, Port Orchard

Listing courtesy of Keller Williams Greater 360.

$1,475,000
3 Beds ⋅ 4 Baths ⋅ 2567891 MLS ⋅ ACTIVE Status
Rare 9.2-acre equestrian estate in Kitsap County near Port Orchard and Gig Harbor offering luxury country living with premier horse facilities. This 4,080 sq ft, 3-bedroom, 4-bathroom ranch home features a main-level primary suite with private ensuite and sitting area, an updated chef's kitchen, new main-level flooring, fresh interior and exterior paint, and a 1,250-gallon septic system installed in June 2019. The lower level offers two bedrooms, two bonus rooms, a full bath with sauna, spacious family room, and a separate-entry wing ideal for multigenerational living, guests or a home office. Equestrian amenities include a heated 4+ stall barn, laundry hookups, insulated and heated tack room, attached covered parking area, mud-free grid, and a 60' x 100' covered riding arena with lighting and overhead sprinklers for year-round riding and training. Designed for horse lovers, trainers, hobby farmers, or buyers seeking a private ranch lifestyle, this exceptional acreage offers space, versatility, and convenience. Enjoy peaceful surroundings while staying minutes from St. Anthony Hospital, Costco Gig Harbor, Safeway Port Orchard, and South Kitsap Fire & Rescue Station 15. Seller is offering a one-year temporary rate buydown through preferred lender financing. A rare Port Orchard horse property and Kitsap County ranch for sale with acreage, barn, covered arena, and move-in ready home - schedule your private tour today.

14110 Glenwood Road SW, Port Orchard

Listing courtesy of Coldwell Banker Park Shore RE.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2567413 MLS ⋅ ACTIVE Status
Beautifully landscaped and private nearly-acre property with easy access to the ferries! This nicely updated 1,892 sq ft tri-level home offers comfortable living and plenty of room to enjoy the country lifestyle. The 3-bedroom home has been thoughtfully refreshed with newer flooring, counter-tops, interior paint, lighting, appliances, doors, and fixtures. The lower level offers excellent flexibility & could make a wonderful primary suite with an existing ¾ bath. Private well with newer UV water treatment system and 3-bedroom septic. Relax in the peaceful sun-room just off the kitchen—perfect for morning coffee, reading, or unwinding at the end of the day. Outside, enjoy mature landscaping, apple trees, garden space, RV parking, EV charging and plenty of room to roam. Oversized garage provides room for a lawn tractor and storage, while the huge detached shed has been transformed into an incredible exercise sanctuary, personal retreat, or storage space. Two chicken coops—one large and one small—add to the charm of this unique property. A wonderful blend of privacy, updates, space, and country living, all within convenient reach of the ferries!

5696 E Collins Road, Port Orchard

Listing courtesy of eXp Realty.

$499,995
4 Beds ⋅ 3 Baths ⋅ 2566727 MLS ⋅ ACTIVE Status
Welcome to phase 4 at Stetson Heights Port Orchard. 4 bedrooms for under 500K. Fantastic mountain view home site! The Bradford is a fabulous open design featuring a large great room, stainless appliances and a great home site. Upstairs boasts 4 bedrooms, 2 bathrooms, and utility room. Fully landscaped backyard, central A/C, key pad and smart home features. Enjoy beautiful scenic nature views at Stetson Heights. In downtown Port Orchard, historic Bay Street offers quaint shops & casual to fine dining restaurants to explore. The Port Orchard waterfront and marina feature a great place for walks and fun community events. Ask about special interest rate and incentive with DHI Mortgage for qualified Buyers. Buyers must register their broker on site on the first visit including open houses. End of October completion.

5820 Ivanoff Lane SW Unit #11, Port Orchard

Listing courtesy of D.R. Horton.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2566344 MLS ⋅ ACTIVE Status
Space, privacy, and updates come together on 2.47 acres in South Kitsap! This 3-bedroom, 2-bathroom home offers 1,658 square feet of comfortable single-level living, plus a flexible bonus den/office for work, hobbies, or extra living space. Fresh paint and new appliances throughout give the interior a clean, move-in-ready feel. Enjoy morning coffee on the wood deck overlooking the wooded acreage, with room to garden, park equipment, or simply spread out. Zoned RR (Rural Residential) in South Kitsap School District, this property offers a rare combination of acreage, privacy, and recent updates at an accessible price point. A great opportunity for buyers seeking room to breathe without sacrificing convenience — schedule your private tour today.

5189 SW Paradise Lane, Port Orchard

Listing courtesy of Revival Realty LLC.

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