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

$1,290,000
4 Beds ⋅ 3 Baths ⋅ 2563390 MLS ⋅ ACTIVE Status
Just minutes from Madrona’s shops and restaurants, this beautifully updated 4-bed, 3-bath home blends modern comfort with classic Seattle charm. Set above the street with a welcoming covered deck, this home captures the city skyline and territorial views while offering a bright, open layout designed for everyday living and easy entertaining. Recent renovations include major system upgrades such as electrical, siding, plumbing, windows, and heating, with additional improvements including A/C and an exterior French drain system. The stylish kitchen features white shaker cabinetry, quartz countertops, stainless steel appliances, a tile backsplash, and an oversized island that anchors the main living space. Enjoy a cozy gas fireplace, a generous dining area, and French doors that open to the patio and backyard. A main-floor bedroom and full bath provide flexible options for guests or work-from-home space. Upstairs, the primary bedroom includes custom California Closets. The lower level offers ADU potential with a separate entry, additional bedroom, 3/4 bath, and media room. Alley access with two off-street parking spaces and an included backyard storage shed complete this Madrona gem.

906 29th Avenue, Seattle

Listing courtesy of COMPASS.

$1,045,000
3 Beds ⋅ 2 Baths ⋅ 2571355 MLS ⋅ ACTIVE Status
Welcome to the greatest hits of Seattle - Timeless craftsman home with fantastic curb appeal, downtown views & epicenter location in the heart of Wallingford. You will be pleasantly surprised stepping through the front door into a wide-open living and dining area - much different from the typical compartmentalized homes of the era. Recent remodeling to the kitchen includes new counters, stove & cabinet painting/restoring. The home's major systems have been updated over the years modernizing it for today's living (plumbing, electrical, heating, AC & triple-pane windows). Unbeatable commute & access to the tech hubs downtown & eastside, plus superb walkability being perfectly positioned between Gas Works Park, Lake Union, Green Lake & Burke Gilman Trail...A few blocks in any direction & you find yourself in a new distinct neighborhood center rich with shops & restaurants. Fully fenced front and backyard with stone paver patio & large covered pergola, attached 1 car garage & driveway for additional off-street parking, full height basement with excellent potential to increase the finished sqft, brand new exterior paint & newly refinished hardwood floors.

1326 N 40th Street, Seattle

Listing courtesy of John L. Scott, Inc.

$1,399,000
4 Beds ⋅ 2 Baths ⋅ 2571257 MLS ⋅ ACTIVE Status
Classic Bryant craftsman at its best! Set up off the street to maximize light and privacy. Completely re-vamped with love in 2014/2015 with updated systems, windows, paint, central A/C, kitchen and exterior, this one is sure to shine. Incredible charm intact as you enter the formal living, walls of garden windows in the dining/ reading nook and well-appointed galley kitchen overlooking your private courtyard. One bedroom/ full bath on the main, 3 bedrooms upstairs with extra-large custom walk-in closet and bathroom. Natural stone finishes with original wood floors throughout. Lower level has 2 additional finished rooms, laundry and storage. Fully fenced gracious backyard oasis with excellent all-day sunshine, garden & hosting spaces under twinkling Edison bulbs. Updated one car garage + 2 off street alley parking/RV spot... a rarity in Seattle these days! A home for generations. Live the NE Seattle dream with evening strolls to Mioposto, Pancita, the Duchess or start your morning off right at Sunshine Coffee, Met Market or a leisure drop off at Bryant Elementary. This one is it.

5761 35th Avenue NE, Seattle

Listing courtesy of Windermere Real Estate Midtown.

$1,725,000
4 Beds ⋅ 3 Baths ⋅ 2569905 MLS ⋅ ACTIVE Status
Light-filled and full of soul, this beautifully cared-for 1915 Craftsman captures the warmth and character that make Montlake so special. Original mullioned windows, refinished hardwood floors, a formal dining room, and charming sunroom/parlor off the living room create inviting, gracious spaces rarely found in newer homes. Classic period details are thoughtfully preserved throughout, giving the home an unmistakable sense of history and character. Three bedrooms and a full bath are upstairs, with a convenient powder room on the main level. The finished lower level offers a fourth bedroom and full bath, plus a family room, second fireplace, office, and shop space. A skylight brightens the upstairs bath. Major systems have been updated, including a new furnace and water heater, updated plumbing, newer electrical, and added insulation. Outside, a generous deck overlooks a private, mature backyard with rear alley access. A recent zoning change adds long-term potential for the spacious rear yard, including a future garage, DADU, or other improvements, subject to City of Seattle requirements and buyer verification. Just a block from the Montlake Community Center & Playfield and minutes from the Arboretum, Montlake Cut, cafés, UW, SR-520, and downtown. A special Montlake home where original craftsmanship, natural light, and timeless character meet thoughtful updates and future potential.

1624 E McGraw Street, Seattle

Listing courtesy of Mezzanine Properties Inc.

$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.

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