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

$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..

$1,395,000
3 Beds ⋅ 4 Baths ⋅ 2571066 MLS ⋅ ACTIVE Status
Experience inspired new construction living in the heart of Montlake, where exceptional craftsmanship, refined finishes, and an enviable Seattle location come together. A rare 2-car garage adds outstanding convenience. The stunning chef’s kitchen is anchored with a glorious kitchen island and an abundance of cabinetry with hidden surprises behind many doors, while vaulted ceilings bring an airy sense of volume to the luxurious primary suite, complete with a spa-inspired shower. A private lower-level guest suite offers comfortable, flexible accommodations, and the patio and thoughtfully sized yard create an inviting setting for outdoor dining and relaxation. Ideally located near Husky Stadium and the Arboretum, with easy access to Highway 520 and the Eastside, this beautifully finished home places the best of Montlake within easy reach.

1970 25th Avenue E, Seattle

Listing courtesy of RE/MAX Metro Realty, Inc..

$580,000
2 Beds ⋅ 1 Baths ⋅ 2570939 MLS ⋅ ACTIVE Status
Welcome to Hillman City, one of South Seattle’s most connected and vibrant neighborhoods. This inviting 2-bedroom, 1-bath w/ modern backyard studio offers the perfect blend of comfort and functionality. Inside, you’ll find a bright, livable layout designed for easy everyday living, complete with air conditioning to keep you cool during Seattle’s warm summer months. A brand-new roof (2026) adds peace of mind for years to come. Step outside and discover a true lifestyle bonus: a 130 sq ft studio (not included in the total sq ft) ideal as a private home office, creative studio, gym, or flexible bonus space. The fully fenced yard offers plenty of gardening space in both the front and back yard and a front patio to sip your morning coffee on. Two additional storage sheds give you ample space and a covered carport offers convenient off-street parking or the possibility of converting it to covered outdoor living space. With an impressive Walk Score of 84, this home puts you close to everything. You’re just half a mile from the shops, cafés, and acclaimed restaurants of both Hillman City and Columbia City. Enjoy easy commuting with nearby light rail and bus stops, and spend weekends exploring the scenic trails at the many nearby parks or enjoy the waterfront at Seward Park with just a short drive.

3912 S Findlay Street, Seattle

Listing courtesy of COMPASS.

$749,900
3 Beds ⋅ 2 Baths ⋅ 2570059 MLS ⋅ ACTIVE Status
Welcome to desirable Arbor Heights, where classic mid-century charm meets thoughtful updates in this beautifully maintained rambler. Offering 1,250 sq ft of comfortable one-level living, this 3-bedroom, 1-bath home is filled with warmth and character. Original hardwood floors an updated kitchen featuring quartz countertops, stainless steel appliances, and a stylish tile backsplash create a space that's both timeless and move-in ready. Recent improvements include newer windows, updated electrical, added insulation, soffits, and ceiling fans, providing comfort and peace of mind. Situated on a generous 9,044 sq ft fully fenced lot, the expansive backyard is a true extension of the home—perfect for summer BBQs, gardening, pets, or simply relaxing outdoors. Additional storage beneath the home offers plenty of space for seasonal items, tools, or hobbies. Ideally located just minutes from Lincoln Park, Puget Sound beaches, shopping, restaurants, and everyday amenities, this home offers the perfect balance of neighborhood charm, convenience, and outdoor recreation. A wonderful opportunity to own a thoughtfully updated home in one of West Seattle's most sought-after neighborhoods.

3811 SW 105th Street, Seattle

Listing courtesy of John L. Scott Mukilteo.

$899,900
3 Beds ⋅ 2 Baths ⋅ 2570784 MLS ⋅ ACTIVE Status
$10,000 Buyer Bonus! Explore this Capitol Hill’s townhome community by AIA award-winning builder GProjects, just steps from Volunteer Park. Located near Volunteer Park, this home includes custom cabinetry, Caesarstone countertops, hardwood flooring, and premium appliances. The main level features a vaulted living, dining, and kitchen area. The second floor offers an oversized bedroom and full bath. The third floor serves as the primary suite with floor-to-ceiling windows. the top floor is an amamzing flex space allowing for a 3rd bedroom or skylounge with deck access. Lower level bonus room suitable for media, gym, or storage use. Sweeping views of the Space Needle and Downtown Seattle skyline. With its sunny, 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. 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. Stay connected - the seller will contribute up to $250 per month toward parking for 12 months, plus a $10,000 buyer bonus. Don’t miss your chance to call it home!

629 13th Avenue E, Seattle

Listing courtesy of John L. Scott, Inc..

$489,000
3 Beds ⋅ 2 Baths ⋅ 2569205 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated single-family townhouse, with 3 bedroom and 1.5 bathroom, offering the perfect blend of modern style, low-maintenance living, and an incredible outdoor retreat. Perfectly positioned in Seattle, this light-filled home is completely move-in ready and designed for both effortless daily living and vibrant entertaining. Tucked away in a quiet enclave, this charming townhouse delivers all the space and privacy of a single-family home with maximum convenience. The main floor boasts a bright living space that flows effortlessly into the dining room and kitchen, making host nights a breeze. Slide open the back doors to discover an outdoor living space rarely found at this price point—a peaceful stone paver patio illuminated by string lighting and enclosed for ultimate privacy. Near light rail and bus #36. Upstairs, light-filled bedrooms provide quiet sanctuaries for sleep, work, or hobbies, complemented by a full bathroom with generous vanity storage. Conveniently located near local parks, transit, light rail access, and South Seattle dining staples, this turnkey home offers urban proximity alongside your own private garden retreat. Don't miss out on this move-in ready Seattle gem—schedule your tour today!

3308 S Holly Place, Seattle

Listing courtesy of Globenex Realty.

$749,900
2 Beds ⋅ 2 Baths ⋅ 2570792 MLS ⋅ ACTIVE Status
13th & Roy by GProjects, an AIA award-winning builder. Located near Volunteer Park, this home includes custom cabinetry, Caesarstone countertops, hardwood flooring, and premium appliances. The main level features a vaulted living, dining, and kitchen area with a full wall of built-ins. The second floor offers an oversized bedroom and full bath. The third floor serves as the primary suite with floor-to-ceiling windows and additional custom storage. Lower level bonus room suitable for media, gym, or storage use. Above it all, a private rooftop deck captures sweeping views of the Space Needle and Downtown Seattle skyline. With its sunny, 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.

633 13th Avenue E, Seattle

Listing courtesy of John L. Scott, Inc..

$750,000
3 Beds ⋅ 2 Baths ⋅ 2570112 MLS ⋅ ACTIVE Status
Tucked away and back from the street, welcome to your in-city oasis! Just a few minutes walk to Light Rail and close to dozens of parks and restaurants, this sweet townhome is just right. Enter to your spacious living room that sits open with your kitchen and dining spaces, great for entertaining! The kitchen offers high ends finishes and stainless appliances, plus great storage. Your second level houses two bedrooms and a full bathroom, plus your washer/dryer. The top floor is reserved for your large primary suite, boasting a walk-in closet, 5 piece bathroom, and a private balcony. From its easy access to convenient city arterials, plus easy commuting to I-90 and I-5, this home fits so many lifestyles! Reserved parking space and NO HOMEOWNER'S DUES! Close to Central District, Mt. Baker, the International District, & various parks including Leschi Park, Colman Park Beach, Judkins Playfield, & Blue Dog Pond off leash dog park.

918 Martin Luther King Jr. Way S Unit #D, Seattle

Listing courtesy of Lake & Company.

$663,000
2 Beds ⋅ 2 Baths ⋅ 2570942 MLS ⋅ ACTIVE Status
How does that happen? This special townhome condominium is one block away from the heart of Fremont, yet it is so very quiet and private. Tucked off the street you enter into the back of the community to find a “secret garden” and patio under a beautiful Japanese maple tree.  Off the entry foyer, is the over-sized private garage, and stairs to the living space.  You will appreciate the well-designed kitchen for maximum storage, large dining area and a deck overlooking the garden off the living room. Strike up the gas fireplace for cooler nights, or you can use the AC on warmer days. A half-bath completes this level. Upstairs find 2 bedrooms and 1 bath, with the same maple floors as downstairs. A walk-in closet and Juliette balcony make it special. Continue to the sunny rooftop deck and large attic storage. Location-FANTASTIC. Quiet and private- CHECK. New roof, and new exterior paint- COMPLETED. Easy access to SLU and downtown- DONE. Welcome home!

3648 Francis Avenue N Unit #D, Seattle

Listing courtesy of Coldwell Banker Bain.

$1,395,000
3 Beds ⋅ 4 Baths ⋅ 2570387 MLS ⋅ ACTIVE Status
Experience inspired new construction living in the heart of Montlake, where exceptional craftsmanship, refined finishes, and an enviable Seattle location come together. A rare 2-car garage adds outstanding convenience. The stunning chef’s kitchen is anchored with a glorious kitchen island and an abundance of cabinetry with hidden surprises behind many doors, while vaulted ceilings bring an airy sense of volume to the luxurious primary suite, complete with a spa-inspired shower. A private lower-level guest suite offers comfortable, flexible accommodations, and the patio and thoughtfully sized yard create an inviting setting for outdoor dining and relaxation. Ideally located near Husky Stadium and the Arboretum, with easy access to Highway 520 and the Eastside, this beautifully finished home places the best of Montlake within easy reach.

1970 25th Avenue E, Seattle

Listing courtesy of RE/MAX Metro Realty, Inc..

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