Seattle Homes with FHA Terms

Seattle Homes with FHA 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 living and outdoor adventures.

Seattle's real estate market is equally captivating. For homebuyers looking for flexible financing options, there are plenty of homes available with FHA terms. FHA, or Federal Housing Administration, loans are backed by the government and offer more lenient credit requirements, making homeownership more accessible for many.

With FHA terms, buyers can enjoy benefits such as a low down payment requirement, competitive interest rates, and the ability to finance closing costs. This makes it an attractive option for first-time homebuyers or those with limited funds for a down payment.

Seattle's real estate market offers a wide range of homes with FHA terms, from cozy condos in downtown to spacious single-family houses in the suburbs. Whether you're looking for a modern high-rise apartment with stunning city views or a charming craftsman-style home in a family-friendly neighborhood, Seattle has something to suit every taste and budget.

If you're considering buying a home in Seattle, exploring the options with FHA terms can be a great way to make your homeownership dreams a reality. With the help of an experienced real estate agent, you can navigate the market and find the perfect home that meets your needs and budget.

Newest Seattle Homes with FHA Terms

$449,997
1 Beds ⋅ 1 Baths ⋅ 2571279 MLS ⋅ ACTIVE Status
Enjoy sweeping Seattle views from this top-floor luxury residence in the heart of Wallingford. Expansive windows showcase Lake Union, the Ship Canal, Fremont, Queen Anne, the Olympic Mountains and the Space Needle while filling the home with abundant natural light. Beautifully maintained and built in 2005, the interior offers granite countertops, stainless steel appliances and quality cabinetry. Step outside to your private deck and take in the incredible surroundings. The spacious primary suite includes a walk-in closet, while secured garage parking conveniently located near the elevator and a private storage locker add everyday ease. Tavona offers controlled-access entry and a shared outdoor patio, all just moments from the Burke-Gilman Trail, Gas Works Park and the shops, dining and amenities that make Wallingford such a sought-after Seattle neighborhood.

3333 Wallingford Avenue N Unit #410, Seattle

Listing courtesy of RE/MAX Equity Group.

$858,000
3 Beds ⋅ 3 Baths ⋅ 2569868 MLS ⋅ ACTIVE Status
Perched at a high elevation with clear sightlines, this exceptional home immerses you in stunning natural beauty. Situated on a quiet, tree-lined street just steps from the beloved Loyal Heights Playfield, the property enjoys a peaceful setting while offering an easy commute to South Lake Union and downtown Seattle. Inside, three thoughtfully designed levels unfold with rare separation of space, crowned by an incredible rooftop deck. The private outdoor oasis showcases panoramic views of the Seattle skyline and surrounding mountains—an unforgettable setting for entertaining and watching holiday fireworks. The main level features a flexible bedroom and full bath, perfect for hosting guests or working remotely. The upper floor boasts a seamless flow from the well-appointed kitchen with a center island, premium quartz countertops, and sleek cabinetry into the dining and living areas, where an architectural window wall lets the sunshine stream in all day long. A stylish powder rm with a wall of designer-selected tile completes this level. On the third floor, retreat to your primary sanctuary featuring picturesque windows and a spa-inspired bath, situated alongside an additional well-sized bedroom. The home comes equipped with ductless mini-splits for efficient heating/cooling, alongside a desirable one-car garage. Enjoy everything the quiet neighborhood has to offer, while remaining only minutes away from Ballard's vibrant shops, restaurants, and nightlife. This is the ONE!

8012 20th Avenue NW, Seattle

Listing courtesy of Bushnell Real Estate Solutions.

$520,000
3 Beds ⋅ 1 Baths ⋅ 2561680 MLS ⋅ ACTIVE Status
Originally built in 1943, this charming 3 bedroom, 1 bath home already has many of the big-ticket upgrades taken care of: new water pipes, mostly updated wiring, and new windows, efficient mini-splits for year-round comfort and recently installed solar panels to reduce your bills. Fresh paint and other cosmetic updates mean you can skip the renovation checklist and get straight to making yourself at home. And then there's the backyard surprise. A spacious detached shop with power opens a world of possibilities. Artist's studio? Woodworking haven? Home gym? Dream garage? Weekend project headquarters? You get to decide. The oversized lot also offers the exciting future potential of adding a DADU giving you flexibility as your needs evolve. Convenient South Seattle location with easy access to parks, shopping, dining, transit, and major commuter routes. Sometimes the best find isn't the newest—it's the home that gives you room to live, create, and imagine what's next.

7212 S 128th Street, Seattle

Listing courtesy of Windermere R E Mount Baker.

$1,695,000
2571256 MLS ⋅ ACTIVE Status
Born in 1909, this 4,400 square foot Old Grand Dame sits majestically above the street, one block from Green Lake's beloved 2.8-mile loop, three blocks from the charming Tangle town business district, & at the heart of Seattle's most coveted trifecta: Green Lake, Tangle town & Wallingford. Rare, storied, & alive with possibility. Originally built as a live-in boarding house, this turn-of-the-century treasure spans Woodlawn to Meridian w/ views out to the lake & the kind of bones that make architects & dreamers go quiet. High ceilings on every floor, box-beam ceiling details, classic fixtures & finishes, two full kitchens & an oversized three-car garage/shop space. Whether you envision a grand single-family restoration, a boutique bed-&-breakfast, a co-housing sanctuary, multigenerational living, or a savvy legal duplex income property, this open palette awaits your vision. Six to seven bedrooms (though 2-3 presently non-conforming), three baths & LR1 RC(M) zoning, unlocks multi-family as well as residential commercial potential & puts multiple possibilities, firmly in your hands. Step outside & the neighborhood does the rest; two PCC Markets, Whole Foods, boutique fitness studios, beloved local restaurants & bars, w/ the energy of Phinney Ridge, Maple Leaf, Fremont, Greenwood, Wallingford & the university, just blocks away. Walk Score 81, Bike Score 87, & ten minutes to Downtown. If you've ever dreamed of breathing new life into something truly one of a kind.

6238 Woodlawn Avenue N, Seattle

Listing courtesy of Windermere RE Greenwood.

$745,000
3 Beds ⋅ 2 Baths ⋅ 2569476 MLS ⋅ ACTIVE Status
Classic 1930's charm meets impactful modern updates in this beautifully maintained Rainier Beach gem, tucked at the end of a dead-end street for the most perfectly peaceful location. Extensively updated for long-term ease & peace of mind, you can simply turn the key, move in & enjoy new or like-new plumbing, electrical, insulation, paint, roof/gutters, flooring, appliances, windows & an efficient heat pump/mini-split system for both heat & A/C. Savor peekaboo views of the Cascade Mtns, Lake WA, downtown Bellevue's skyline and, on a clear day, majestic Mount Baker - all from the comfort of home! Built with the perfect floor plan for everyday functionality & easy hosting, w/ living/dining spaces flowing together effortlessly then into a sleek updated kitchen or out onto a newly restained deck, ready for end-of-summer BBQs & sunset happy hours. Thoughtfully laid-out w/ 3 bedrooms & 1.75 beautifully refreshed bathrooms. From the daylight basement, step out onto the sun-drenched patio overlooking the fully fenced yard w/ raised garden beds, a handy storage shed & antimicrobial turf lawn - low-maintenance & great for pets! Plenty of off-street parking, bus 107 at the end of the street, & the Chief Sealth trail right in your backyard! Conveniently close to the beloved Kubota Gardens, light rail, I-5, great restaurants & more. A rare blend of character, comfort, and smart investment in a fantastic neighborhood.

9744 49th Avenue S, Seattle

Listing courtesy of Berkshire Hathaway HS NW.

$724,950
2 Beds ⋅ 2 Baths ⋅ 2570666 MLS ⋅ ACTIVE Status
Refined new construction, beautiful natural light, and an exceptional Ballard location define this thoughtfully designed home by MRN Homes. Set on a quiet residential street, this home offers a peaceful retreat just moments from the energy and amenities of Ballard. Expansive windows and high ceilings create bright, airy interiors, while LVP flooring and chic gold-toned lighting add warmth and contemporary style throughout. The designer kitchen pairs sleek quartz countertops, a modern backsplash, custom cabinetry, and premium stainless steel appliances for a sophisticated yet functional space. Spacious bedrooms provide comfort and privacy, including a serene primary suite with a spa-inspired bath. A generous private deck extends the living space outdoors with peaceful territorial views—ideal for morning coffee or evening entertaining. EV-ready parking adds everyday convenience, while no HOA dues offer exceptional value. Enjoy an enviable location near Ballard Avenue, the Sunday Farmers Market, acclaimed restaurants, cafés, breweries, parks, and the Burke-Gilman Trail, with easy access to Downtown Seattle and major commuter routes. Modern design. Elevated finishes. An exceptional Ballard address. Preferred lender offers a 1% lender credit—ask for details!

2230 D NW 60th Street, Seattle

Listing courtesy of Real Property Associates.

$1,700,000
5 Beds ⋅ 3 Baths ⋅ 2565389 MLS ⋅ ACTIVE Status
Welcome home to this Queen Anne Hill classic, situated in the heart of the Hill on a rare and remarkable 7,200 SF corner lot. Filled with history, character and incredible potential, this 5-bedroom, 3-bath house offers the space and architectural charm that make these homes so special. Beautiful leaded-glass windows, original details and wood-burning fireplaces on both the main level and in the basement add warmth and character throughout. Generous living spaces provide an incredible canvas for its next chapter, while the attic and basement offer exciting potential for additional finished square footage. Outside, the oversized corner lot provides exceptional curb appeal, recreational space and development potential. Bring your vision and make this extraordinary home your own, whether thoughtfully updating what is already here or taking advantage of its incredible lot potential. A truly special property with room to grow, character to preserve and an unbeatable location in the heart of this iconic neighborhood.

1532 5th Avenue W, Seattle

Listing courtesy of Windermere Real Estate Co..

$875,000
2 Beds ⋅ 2 Baths ⋅ 2570105 MLS ⋅ ACTIVE Status
Welcome to this charming Seaview home, ideally situated on a quiet street with convenient access to the Alaska and Morgan Junctions. Offering a wonderful combination of location, space, natural light, and thoughtful updates, this inviting home is ready to be enjoyed. Inside, bright and generously sized rooms are enhanced by abundant natural light. A beautiful vaulted ceiling clad in warm cedar adds character and a distinctive sense of warmth to the main living spaces. The circular floor plan creates an easy flow throughout the home, with a comfortable bedroom and full bath on the main level. Upstairs, the spacious primary bedroom features a newly updated en-suite bathroom, creating a private and relaxing retreat. The large kitchen offers plenty of workspace and room for dining. Step outside and discover one of the home's standout features: a large, level, sun-drenched lot with abundant possibilities. The new covered patio provides a wonderful space for outdoor dining and relaxing in any season. Raised garden beds invite you to grow flowers, herbs, or vegetables, while the mature weeping willow adds beauty and a peaceful focal point to the yard. A storage shed provides convenient space for gardening equipment and outdoor essentials. Practical features add to the home's appeal, including an electric vehicle charger, easy-to-access attic storage and generous off-street parking with room for multiple cars and even RVs. Welcome home!

5636 49th Avenue SW, Seattle

Listing courtesy of Coldwell Banker Bain.

$699,990
2 Beds ⋅ 2 Baths ⋅ 2570663 MLS ⋅ ACTIVE Status
Quiet cul-de-sac in Northgate — coffee shops, restaurants, and light rail all an easy walk from the front door. Efficient 950 SF with two bedrooms and two full baths in a layout that keeps upkeep low; the second bath and bedroom leave room for guests or a home office. Outside, a beautiful patio for entertaining or unwinding at the end of the day, plus generous parking and possible space for a DADU — buyer to verify. Furniture is included, so you can move in without a moving truck (inventory per purchase agreement). Northgate Station's shops and the Kraken Community Iceplex are blocks away, along with groceries, pharmacies, and medical offices. From the transit center and station, downtown Seattle, UW, and Sea-Tac are a direct ride. Immediate I-5 access, with SR-99 and I-405 close by.

11310 5th Avenue NE, Seattle

Listing courtesy of John L. Scott Everett.

$829,000
4 Beds ⋅ 2 Baths ⋅ 2570690 MLS ⋅ ACTIVE Status
Rare turn-key investment opportunity in Hillman City, Seattle! 4 BD / 2 BA property featuring a main-level 2 BD / 1 BA home plus a legal, fully permitted 2 BD / 1 BA basement ADU. Fully renovated top-to-bottom with modern finishes, abundant parking, & spacious fully fenced yards. Thoughtful upgrades include quartz counters & stainless steel appliances, mini split heating + A/C in living rooms, & RV Parking. Both units are currently occupied by great tenants, but may be available for an owner-occupant in the future. The home is sited on an oversized 60' x 127' (7,620 sqft) flat lot with back alley access. Huge upside for developers & investors in a prime Hillman City location minutes to Light Rail, Columbia City dining, Seward Park & Lake Washington, and a short commute to Downtown or Bellevue. Investors - consider reclassifying existing units as ADUs & building a new standalone SFH or DADUs in back, or leverage transit corridor zoning for up to 6 units - reach out to helpful listing agent for more info.

4424 S Holly Street, Seattle

Listing courtesy of COMPASS.

$725,000
3 Beds ⋅ 3 Baths ⋅ 2568317 MLS ⋅ ACTIVE Status
Exceptional 3 bed/2.5ba like new home- true sanctuary sits in the heart of one of the city’s most vibrant neighborhoods. Surrounded by nature brings new level of quiet retreat—without compromise of the best of Seattle. Strong rental history makes it a proven performer from day one. Entire home has been refreshed with new interior & exterior paint, brand-new carpet & stylish vinyl plank flooring. Upstairs, a bright & welcoming foyer with built-ins & convenient laundry. Oversized primary suite is a true retreat—complete with a built-in vanity desk, generous storage, spa-inspired en-suite light-filled shower, double-sink vanity, & abundance of storage. The additional two bedrooms offer generous space, large windows fill rooms with natural light, creating a rare indoor-outdoor feel with modern comforts. Arrive from the street or use the gated alley parking—your choice with privacy & convenience. Main floor is the heart of the home: entertainers kitchen outfitted with stainless steel Beko appliances, dramatic window wall that opens onto the outdoor patio. Value adding is a fully permitted garage conversion with its own powder room creates additional large flexible space with its own entrance—ideal as an office, studio, library, or game-night hangout. Off-street and dedicated gated driveway parking complete this beautiful home. This home is the one—smart investment or ideal starter home in the beautiful Pacific Northwest.

708 N 102nd Street Unit #2, Seattle

Listing courtesy of The Preview Group.

$749,900
2 Beds ⋅ 2 Baths ⋅ 2570757 MLS ⋅ ACTIVE Status
Welcome to 13th & Roy by GProjects, an AIA award winning builder known for thoughtful architecture and refined modern living. Ideally located near Volunteer Park, this distinctive collection of homes showcases custom cabinetry, Caesarstone countertops, stunning hardwood floors, and premium appliances throughout. The second floor is designed for elevated living, with a dramatic vaulted living, dining, and kitchen area anchored by a full wall of bespoke built ins. The entry level features a spacious bedroom and full bath, while the third floor is dedicated to the primary suite, framed by floor to ceiling windows and an additional wall of custom storage. Above it all, a private rooftop deck captures sweeping views of the Space Needle and Downtown Seattle skyline. With its sunny west facing orientation and expansive windows, the home is flooded with natural light throughout the day, creating a bright and inviting modern retreat in the heart of Capitol Hill. Stay connected - the seller will contribute up to $250 per month toward parking for 12 months, plus a $10,000 buyer bonus. The Capitol Hill Light Rail Station is just 0.6 miles away, with convenient access to Route 49 and nearby Lime and Bird scooters. With a Walk Score of 80, this is modern Capitol Hill living at its most convenient and design forward.

1227 E Roy Street, Seattle

Listing courtesy of John L. Scott, Inc..

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