Seattle Homes with Assumable Terms

Seattle Homes with Assumable Terms

Seattle, located in the state of Washington, is a vibrant city known for its stunning natural beauty, thriving tech industry, and diverse culture. Situated in King County, Seattle offers a unique blend of urban amenities and outdoor adventures.

One notable aspect of the real estate market in Seattle is the availability of homes with assumable terms. Assumable loans allow buyers to take over the seller's existing mortgage, which can be an attractive option for those looking to avoid the lengthy and often complex process of securing a new loan.

By assuming the seller's mortgage, buyers can potentially benefit from lower interest rates and reduced closing costs. This can make homeownership more accessible and affordable, particularly for first-time buyers or those with limited financial resources.

Seattle's real estate market has seen steady growth in recent years, with a high demand for housing due to the city's booming job market and desirable quality of life. The presence of assumable terms adds another layer of flexibility for buyers, allowing them to explore various financing options and potentially save money in the process.

Whether you're looking for a cozy bungalow in a hip neighborhood like Capitol Hill or a modern condo with breathtaking views of the Puget Sound, Seattle's real estate market offers a wide range of options to suit different tastes and budgets. With the added advantage of assumable terms, buyers in Seattle have even more opportunities to find their dream home in this dynamic city.

Newest Seattle Homes with Assumable Terms

9515 Linden Avenue N, Seattle
$639,950
2 Beds ⋅ 1 Baths ⋅ 2588576 MLS ⋅ ACTIVE Status
3.75% ASSUMABLE LOAN OPPORTUNITY! Incredible below-market interest rate & potential for huge savings! Rare freestanding Greenwood home, just over a mile from Green Lake, offering space, privacy, parking, and flexibility! This light-filled, fenced 1,200 sq ft home features an inviting open layout, oak hardwood floors, a private outdoor retreat, three parking spaces, and a detached backyard studio. Spacious living and dining areas flow into an updated kitchen with granite countertops, eating bar, glass cooktop, double oven, heated travertine floors, and room for a dining table. Large windows fill the home with natural light, while the sandstone wood-burning fireplace adds warmth. Two oversized bedrooms feature French doors opening directly to the southwest-facing deck and landscaped backyard oasis, perfect for outdoor dining, entertaining, or relaxing. The detached backyard studio provides valuable bonus space for a home office, creative studio, fitness area, or hobby room. A separate storage shed with workbench offers additional room for tools and outdoor equipment. Updated full bath with tile finishes and heated floor, plus a laundry area with newer washer and dryer. Three parking spaces out front with room for multiple vehicles, larger vehicles, or an RV. Earthquake retrofitted, chimney serviced, newer hot water tank, and updated electrical. Surrounded by restaurants, cafés, breweries, and shopping. Easy access to I-5, downtown Seattle, Interurban Trail, and Light Rail!

9515 Linden Avenue N, Seattle

Listing Broker: eXp Realty; Lilly Fedorova; 425-236-1732; seattledreamhomesc21@gmail.com

1309 N 80th Street, Seattle
$845,000
2 Beds ⋅ 1 Baths ⋅ 2587984 MLS ⋅ ACTIVE Status
Step into this delightful, updated and charming 1940 Cape Cod–style home, offering 2 beds, 1 bath in 1,740 total sqft. Main level has comfortable living space. Enjoy classic elegance with hardwood floors, coved ceilings, formal dining room, and two cozy fireplaces. Unwind in the bright, south-facing backyard—perfect for gardening, play, or relaxation. The partially finished basement offers additional living space, while the attached garage provides parking and storage - potential to expand. Located steps from Green Lake, this home scores an impressive 86 walk, 91 bike, & 53 transit—making it ideal for active, urban lifestyles. With easy access to schools, dining, and recreation, this home blends historic charm with modern convenience.

1309 N 80th Street, Seattle

Listing Broker: RE/MAX Metro Realty, Inc.; Reba Haas; 206-888-2968; info@teamreba.com

10839 11th Avenue SW, Seattle
$630,000
2 Beds ⋅ 1 Baths ⋅ 2586544 MLS ⋅ ACTIVE Status
Assumable mortgage opportunity with an existing 3.375% interest rate, subject to lender approval and buyer qualification. This nicely updated 2-bedroom, 1-bath brick home is ready for you. Features include new laminate flooring, stainless steel appliances, quartz countertops with a honeycomb backsplash, an updated bathroom, beautiful wood beams, neutral paint inside and out, and a newer roof. The fully fenced backyard offers plenty of space for gardening and entertaining. A newer oversized 23x23 garage/shop provides room for vehicles, toys, tools, hobbies, and storage. Alley access and potential for a DADU add even more flexibility. Conveniently located near shopping, schools, and major freeways. Buyer to verify all loan terms, assumability requirements, eligibility, and costs with the loan servicer.

10839 11th Avenue SW, Seattle

Listing Broker: RE/MAX Northwest; Gordy Marks; 425-770-4444; gordy@gordymarks.com

8512 S 117TH Street, Seattle
$675,000
4 Beds ⋅ 3 Baths ⋅ 2587733 MLS ⋅ ACTIVE Status
UNDER MARKET VALUE FOR SLIGHT REPAIRS, 4 bedroom 3 bath of Beauty from 2003 built PROJECT in Bryn Mawr. Absolutely the best price hands down value in the area. Upgraded features include curved staircase, formal dining room, granite countertops, stainless appliances all stay. Relax and enjoy partial lake views from the master suite. Bedrooms feature double-door closets and plenty of space. Large garage for 2 cars & storage. You'll love the open feel of the kitchen/rec area, with extra tall windows to let in light. Gleaming hardwoods in entry. Close to shopping,Boeing, airport, and great places to eat, Excellent location in South Seattle by the Renton LANDING that's makes commuting a breeze. A strong house that you can improve, a excellent chance to use elbow grease to make perfect or apply for a streamline or full FHA 203k rehabilitation loan to make a perfect end user forever home / mansion upgrade anything but a swimming pool. call for a package to customize or calculate a buyer bonus of materials to do it yourself. Vaulted ceilings upstairs have the luxury effect. Mostly fenced yard and RV parking on site. Great golden opportunity vs those musty old 55 -100 year old homes for the same price point that are falling apart 3 days after closing. you deserve to love here.

8512 S 117TH Street, Seattle

Listing Broker: Michael J Real Estate LLC; Michael J Jerabek; 206-200-1234; brokermichaelj@yahoo.com

9700 Ravenna Avenue NE Unit #11, Seattle
$650,000
3 Beds ⋅ 3 Baths ⋅ 2586589 MLS ⋅ ACTIVE Status
$30,000 SELLER CREDIT TOWARD AN INTEREST RATE BUYDOWN—potential to get near a 5% rate, subject to lender approval and buyer qualification! An incredible opportunity to own in Seattle while potentially reducing your monthly payment. Tucked into a lush, tree-lined setting, this light-filled home combines the feel of a private retreat with exceptional city convenience. Large windows bring in abundant NATURAL LIGHT and showcase the surrounding greenery, while multiple outdoor spaces create an inviting connection to the Pacific Northwest setting. The spacious living room features a cozy fireplace insert with realistic flame effect and flows into a dedicated dining area with hardwood floors. Fresh FULL INTERIOR PAINT, NEW CARPET, NEW LIGHTING FIXTURES and NEW BLINDS make this home truly MOVE-IN READY. Generous kitchen with abundant cabinetry and prep space, spacious bedrooms, WALK-IN CLOSET and IN-UNIT LAUNDRY. A HUGE 2-CAR GARAGE provides exceptional parking, storage and room for bikes, outdoor gear and more. Security cameras included. HOA covers insurance, utilities except gas, yard care, exterior/building maintenance, snow removal & more. Up to 2 pets allowed. Fantastic Ravenna location CLOSE TO TRANSIT, commuter routes, restaurants, shopping, parks and neighborhood amenities. Enjoy the rare combination of NATURE, WALKABILITY, CONVENIENCE and Seattle living!

9700 Ravenna Avenue NE Unit #11, Seattle

Listing Broker: 1% Lists Pacific Northwest; Chandra Lacy; 425-971-3619; chandra@1percentlists.com

4512 SW Director Place, Seattle
$799,000
3 Beds ⋅ 2 Baths ⋅ 2582636 MLS ⋅ ACTIVE Status
This is your opportunity to live in the much-desired Fauntleroy neighborhood of West Seattle, within walking distance of restaurants, shops, the Fauntleroy Ferry, and Lincoln Park. This beautiful home features fresh interior and exterior paint, new engineered flooring and carpeting, new wall plates, switches and outlets, and a freshly cleaned roof. The main level offers a spacious living room with three large windows that fill the space with natural light, a formal dining room with sliding glass door access to the large patio, and a generously sized kitchen with room for a breakfast table. The spacious primary bedroom also features sliding glass door access to the patio, a large walk-in closet, and an ensuite bathroom with a large walk-in shower. Upstairs are two additional bedrooms, including an exceptionally spacious bedroom that can accommodate a king-size bed and features its own walk-in closet. The main bathroom has a separate room with the bath/shower and toilet, plus a separate dual-sink vanity area. Two large hallway closets provide additional storage, while a skylight fills the upstairs with natural light. Situated on a quiet, semi-private street, the home is surrounded by beautiful evergreen trees for a true Pacific Northwest feel. A wood-fenced backyard provides privacy and outdoor space, and an attached one-car garage adds convenience. This is a rare opportunity to enjoy a beautiful home in one of West Seattle’s most desirable neighborhoods.

4512 SW Director Place, Seattle

Listing Broker: Berkshire Hathaway HS NW; Mayra Silbaugh; 425-367-3748; mayrasilbaugh@bhhsnwre.com

2909 SW Cloverdale Street, Seattle
$329,000
1 Baths ⋅ 2581938 MLS ⋅ ACTIVE Status
Efficient, private and newly completed, 2909 SW Cloverdale Street offers a thoughtfully designed detached home in an established West Seattle neighborhood. The approximately 400-square-foot residence features an open-concept one-bedroom layout, full bathroom, complete kitchen and in-unit washer and dryer. A heat-pump system provides efficient heating and cooling, while multiple windows bring natural light into the flexible living and sleeping space. Outside, enjoy a covered entry, patio and private side yard, plus off-street parking with convenient rear and alley access. A compelling option for a first-time buyer, downsizer, pied-a-terre or investor seeking a low-maintenance home near parks and the shops, dining and everyday conveniences of Westwood Village.

2909 SW Cloverdale Street, Seattle

Listing Broker: Columbia Partners Real Estate; Travis Bain; 253-254-9246; travisalanbain@gmail.com

5634 Fauntleroy Way SW Unit #B, Seattle
$915,000
3 Beds ⋅ 3 Baths ⋅ 2580112 MLS ⋅ ACTIVE Status
Townhouse? Technically. But spend five minutes with me and you might forget all about that. I’m over 2,000 square feet of bright, private, fully standalone living—with no shared walls, two parking spaces, EV charging, and room to actually spread out. Mornings start with sunlight pouring through oversized windows and coffee in a kitchen that understood the assignment: high-end finishes, beautiful details and, yes, a pot filler waiting for your Sunday-night pasta era. All of my bedrooms are refreshingly BIG, but the primary suite is where I really show off. Switch on the fireplace, kick off your shoes and disappear into not one, but TWO walk-in closets. Laundry? I have two hookups, because schlepping baskets around the house is simply beneath us. Even use the second one as a small home office. Let the dog out into the fully fenced front yard, then take a glass of wine upstairs to the rooftop deck as the evening settles over West Seattle. Brand-new carpet underfoot, fresh paint on the walls, beautiful natural light all around—and a level of space, privacy and finish you just don’t expect. I’m not trying to squeeze a single-family lifestyle into a townhouse. I basically already have one. No shared walls. No small-house energy.

5634 Fauntleroy Way SW Unit #B, Seattle

Listing Broker: Coldwell Banker Bain; Ian Gordon; 206-427-6511; Partners@SocietyNW.com

3243 22nd Avenue W, Seattle
$988,000
3 Beds ⋅ 2 Baths ⋅ 2579746 MLS ⋅ ACTIVE Status
VA buyers, assumable VA loan at 3.5%! Welcome to this beautifully renovated Magnolia home, thoughtfully updated with quality finishes and everyday convenience in mind. As you step through the front door, you’ll be greeted by gorgeous new hardwood floors and an abundance of natural light. The inviting living room features lovely territorial views, charming built-ins, and a cozy wood-burning fireplace, creating the perfect space to relax and unwind. The stylish, newly updated kitchen showcases quartz countertops, newer stainless-steel appliances, and a sliding glass door that opens to the back deck, making indoor-outdoor living and entertaining a breeze. Step outside to your own private backyard oasis. A gardener’s dream, the beautifully landscaped yard features terraced garden beds and a lovely deck ready for summer gatherings or morning coffee.Two spacious bedrooms and a newly renovated bathroom complete the main level. Downstairs, a cozy family room with brand-new carpet offers the perfect setting for movie nights or casual gatherings. A third bedroom and generously sized office—both with new carpet—provide plenty of flexibility for guests or work-from-home needs. A brand-new second bathroom with designer finishes and a large laundry room complete the lower level. For added convenience, the home also includes your own personal EV charger on the street. This move-in-ready home combines thoughtful updates, timeless charm, and modern functionality in a wonderful setting.

3243 22nd Avenue W, Seattle

Listing Broker: Windermere Real Estate Midtown; Stephanie Tipton; ;

2244 13th Avenue W Unit #313, Seattle
$350,000
2 Beds ⋅ 1 Baths ⋅ 2572657 MLS ⋅ ACTIVE Status
Rare Queen Anne offering: a modern two-bedroom condominium with two garage parking spaces and a potentially assumable loan at a 3.375% interest rate. This updated home offers a thoughtful blend of style, comfort, and urban convenience, with an open-concept layout filled with natural light, new engineered hardwood flooring, a gas fireplace, and a covered balcony overlooking mature trees for exceptional privacy. The well-appointed kitchen features quartz countertops, stainless steel appliances, rich wood soft-close cabinetry, and breakfast bar seating. A flexible guest bedroom with French doors is ideal for guests or a home office. The spacious primary suite enjoys direct balcony access, while in-unit laundry, abundant storage, two garage parking spaces, and a dedicated storage room add everyday convenience. Elevator building with fitness center, sauna, lounge, landscaped courtyard, and an unbeatable location near Queen Anne shops, restaurants, Whole Foods, Downtown, and South Lake Union.

2244 13th Avenue W Unit #313, Seattle

Listing Broker: Windermere RE Greenwood; Junior Torres; 206-854-5596; junior@windermere.com

3517 43rd Avenue NE, Seattle
$10,950,000
5 Beds ⋅ 6 Baths ⋅ 2548781 MLS ⋅ ACTIVE Status
Once you’ve lived on the water, you know what to look for: south-facing exposure with beautiful all-day light. Flat, usable land. Low-bank waterfront with an expansive lawn. And a home designed equally well for everyday life and entertaining. Simple, but rare. Set on an extraordinary 21,008SF private waterfront lot in Laurelhurst, this nearly 6,000SF home has been transformed through two phases of designer-led renovation, pairing thoughtful craftsmanship with the scale of a true estate property. Walls of glass frame expansive lake views, while the floor plan unfolds naturally toward the water. The main level offers open kitchen, living and dining spaces, a built-in bar and butler’s pantry, dedicated office, ensuite bedrooms, and a massive level-entry garage. The daylight lower level adds a full MIL, with its own laundry, dedicated fitness studio with custom Tracy Anderson flooring, and flexible bonus room for a fifth bedroom, office, or studio. Outside, a covered patio and sweeping level lawn lead directly to the water. Rift-cut white oak floors, richly textured Ann Sacks tile, high-end appliances and considered finishes create a warm, restrained palette. With five bedrooms, five baths and a powder room, the home also offers exceptional infrastructure, including a 50-year metal roof, three heat pumps, two furnaces, dual 80-gallon water heaters, and three laundry sets. The result is a quiet sophistication—and a waterfront setting that simply cannot be recreated.

3517 43rd Avenue NE, Seattle

Listing Broker: Windermere Real Estate Co.; Michelle Farber; 206-747-7429; michellefarber@windermere.com

526 1st Avenue S Unit #420, Seattle
$519,000
2 Beds ⋅ 1 Baths ⋅ 2574773 MLS ⋅ ACTIVE Status
Ideally located in the heart of historic Pioneer Square, 2-bedroom, 1-bath residence at The Florentine offers the perfect blend of historic character and modern urban living. Walk to acclaimed restaurants, cafe’s, galleries, waterfront attractions, public transit, and Seattle’s major sport venues. With included secured parking, additional storage, and convenient access to I-5, SR-99, downtown Seattle, and King Street Station, this home offers the ultimate urban lifestyle in one of the city’s most vibrant neighborhoods. This updated condo features soaring ceilings, hardwood floors, large windows, and an open-concept layout designed for comfortable everyday living and effortless entertaining. The updated kitchen offers granite countertops, stainless steel appliances, and a center island that flows seamlessly into the living and dinning areas. A cozy fireplace, private covered balcony, and tastefully remodeled bath add warmth and style throughout. Best of all, rare financial opportunity awaits with he current owner’s FHA assumable mortgage featuring a low 3.25% interest rate and a remaining balance of $190,000.00

526 1st Avenue S Unit #420, Seattle

Listing Broker: Windermere Real Estate Co.; Kim O. Dales; 206-235-7772; kodales@windermere.com

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