Sumas Homes with FHA Terms

Sumas Homes with FHA Terms

Welcome to Sumas, a charming city located in Whatcom County, Washington, United States. Nestled in the picturesque landscape of the Pacific Northwest, Sumas offers a peaceful and tight-knit community with a range of amenities and natural beauty to explore.

Sumas is a great place to call home, with its convenient location near the Canadian border and easy access to major cities like Bellingham and Vancouver. The city is surrounded by stunning mountain ranges, lush forests, and scenic farmlands, providing ample opportunities for outdoor activities such as hiking, fishing, and biking.

When it comes to real estate, Sumas offers a variety of options for homebuyers. Whether you're a first-time buyer or looking to upgrade, there are homes available with FHA terms. FHA (Federal Housing Administration) loans are designed to make homeownership more accessible by offering low down payment options and flexible credit requirements.

Buying a home with FHA terms in Sumas allows you to take advantage of the city's affordable housing market and favorable interest rates. With the assistance of an FHA loan, you can secure a home that meets your needs and budget, without the burden of a large down payment.

If you're considering purchasing a home in Sumas, the city's real estate market offers a range of options to suit different preferences and budgets. From cozy single-family homes to spacious townhouses, there's something for everyone in Sumas.

Don't miss out on the opportunity to make Sumas your home. Explore the real estate market and discover the perfect home with FHA terms that fits your lifestyle and budget in this beautiful city.

Newest Sumas Homes with FHA Terms

$380,000
3 Beds ⋅ 2 Baths ⋅ 2563678 MLS ⋅ ACTIVE Status
Brand new 2026 Energy Star certified manufactured home in the heart of Sumas! Built approximately 2 feet above the City’s flood elevation requirements, this thoughtfully designed 3-bedroom, 1.75-bath home combines modern comfort with added peace of mind. The open-concept layout centers around a spacious living area that flows seamlessly into a well-appointed kitchen featuring a large island, stainless steel appliances, abundant cabinetry, and generous prep space. The primary suite boasts a dual-sink vanity and a spacious walk-in shower, while a dedicated laundry room provides everyday convenience. Enjoy your morning coffee from the covered front porch, take advantage of alley access to the rear of the property, and appreciate the ease of low-maintenance living. The level lot provides endless opportunities to create the outdoor space you’ve always envisioned, whether it’s a garden, patio, or beautifully landscaped yard. Conveniently located within walking distance of downtown Sumas, local shops, restaurants, and Sumas City Park with sports courts, playgrounds, and a splash pad, this beautiful new home is ready to welcome its first owners.

211 Harrison Street, Sumas

Listing courtesy of van der Velde and Company.

$349,999
2 Beds ⋅ 1 Baths ⋅ 2558395 MLS ⋅ ACTIVE Status
Welcome to small-town living in the friendly community of Sumas! This fully professionally renovated 2-bedroom, 1-bath home is move-in ready and sits on a beautiful lot with plenty of outdoor space to enjoy. Inside, you’ll find a bright and fresh home with updates throughout. The brand-new kitchen features new appliances, modern cabinets, farm house sink and lots of space to cook and gather. The bathroom has also been beautifully updated, and every room has been refreshed with care. Enjoy peace of mind with a brand-new roof and quality improvements that make this home ready for its next owner. Whether you’re buying your first home, looking to downsize, or searching for a great investment, this home is a wonderful choice. Outside, the large yard offers room for gardening, playing, or relaxing. A detached garage provides space for parking or projects, while the outbuilding gives you extra room for hoobies, office, workout gear or tools. Located close to schools, parks, shopping, and the Canadian border, this home offers the perfect mix of comfort, convenience, and small-town charm. Don’t miss your chance to own this beautifully updated home in Sumas! Preferred lender credit of up to $2500 with Kendall Kelly Chuckanut Mortgage.

230 Vancouver Street, Sumas

Listing courtesy of eXp Realty.

$1,295,000
3 Beds ⋅ 3 Baths ⋅ 2557080 MLS ⋅ ACTIVE Status
Experience refined Northwest living in this exceptional custom-built home, perfectly situated on 8.75 private wooded acres behind a gated entrance. Designed with both luxury and practicality in mind, this thoughtfully crafted residence offers the convenience of main-level living, fully finished daylight basement, & outstanding flexibility for multi-generational living, extended guests, or potential ADU-style use. The open-concept main level showcases soaring ceilings, abundant natural light, custom built-in cabinetry, a dramatic floor-to-ceiling stone fireplace, & expansive windows overlooking the peaceful surroundings. The gourmet kitchen features premium appliances, custom cabinetry, quartz countertops, and high-end finishes throughout. The daylight basement includes a second living area, partial kitchen, second laundry hookup, two additional bedrooms, full bath, and separate entrance opening to a covered patio. Enjoy beautifully landscaped grounds, mature trees, a large entertaining deck, covered patio, and a gated paved driveway. The 8.75-acre property offers privacy, room for a future shop or additional improvements (buyer to verify). Thoughtfully equipped with a propane-powered backup generator, water catchment system with approximately 13,000 gallons of backup water storage, ductless heat pump, air conditioning, and quality custom construction throughout. Peaceful country living just 30 minutes from Bellingham offers the perfect balance of seclusion and convenience.

5061 South Pass Road, Sumas

Listing courtesy of RE/MAX Whatcom County, Inc..

$464,000
3 Beds ⋅ 3 Baths ⋅ 2556545 MLS ⋅ ACTIVE Status
Like-new home in Sumas built in 2023! This 3-bedroom, 2.5-bath home features a bright, open-concept living area perfect for entertaining. The kitchen offers a walk-in pantry, stainless steel appliances, and great functionality for everyday living. Enjoy a private primary suite complete with a walk-in closet for added comfort and space. Stay comfortable year-round with efficient mini split heating and A/C. The property also includes a versatile shop with alley access, ideal for projects, storage, or hobbyists. Located close to local parks and schools, this home combines modern convenience with small-town charm.

226 Morton Street, Sumas

Listing courtesy of Windermere RE Whatcom, Inc..

$339,500
3 Beds ⋅ 2 Baths ⋅ 2548188 MLS ⋅ ACTIVE Status
Welcome to your own private paradise! This beautiful 3-bedroom, 2-bath home has been lovingly cared for and is move-in ready. From the moment you arrive, you’ll notice the amazing landscaping, colorful gardens, and peaceful outdoor spaces that make this property truly special. Inside, you’ll find a bright, clean, and comfortable home with a great layout for everyday living. Stay cool all summer with air conditioning, and enjoy a home that has been kept in excellent condition. Outside, there’s plenty of room for all your hobbies and storage. The large shop is perfect for projects, while the detached garage and storage shed give you even more space for tools, toys, and equipment. Whether you’re relaxing in the beautifully landscaped yard, working in the shop, or spending time with friends, this property offers something for everyone. If you’ve been looking for a well-maintained home with extra space and a park-like setting, this is one you won’t want to miss! Preferred lender credit of up to $2500 Kendall Kelly Chuckanut Mortgage.

219 Mitchell Street, Sumas

Listing courtesy of eXp Realty.

$399,000
3 Beds ⋅ 3 Baths ⋅ 2551941 MLS ⋅ ACTIVE Status
Welcome home! Beautifully remodeled rambler on .5 acre with attached 2 bay shop ready for new owners. Tucked away on quiet outer town street with frequent wildlife visitors. Plenty of parking with extra-long driveway & full gravel area in front of shop bays. Well-appointed design choices from exterior paint to interior finishes throughout. Inviting and spacious living room with cozy shiplap surround gas fireplace is semi-open to sunny bright dining room just off kitchen. Fully updated kitchen includes custom cabinets, quartz counters, full tile backsplash, stainless steel appliances, 2x pantry cabinets w/pull out drawers, eat-in peninsula & more! Owner's suite includes ensuite 3/4 bathroom w/dual vanity and walk-in closet. LVP flooring throughout entire home - zero carpet! Extra-large utility room near bedrooms, near new w/d included & tons of cabinet/closet storage. 2 more flex rooms & currently used as 4th bdrm on opposite side of home. Nearly BN roof & AC. Huge 2 bay attached shop with 3/4 bathroom and double door access to spacious backyard. Additional large outbuilding, covered patio and enormous yard complete this move-in ready home. Unbeatable value for the price!

319 Vancouver Street, Sumas

Listing courtesy of RE/MAX Whatcom County, Inc..

$459,950
4 Beds ⋅ 2 Baths ⋅ 2546373 MLS ⋅ ACTIVE Status
This inviting one level home offers a bright, airy design with quality details throughout. The welcoming living area provides a comfortable space for relaxing and gathering with friends. The kitchen is well equipped with quartz countertops, stainless steel appliances, and a convenient breakfast bar.The spacious primary suite features a private bathroom and a walk in closet. A fourth bedroom near the entrance offers excellent flexibility for a home office, guest room, or hobby space.Step outside to a generous deck designed for entertaining while taking in scenic views of the Sumas foothills. The backyard enjoys excellent sun exposure, making it ideal for gardening and outdoor enjoyment. A covered front porch provides a peaceful place to start the day surrounded by the sounds of nature. Additional highlights include a roomy garage and a convenient location just minutes from downtown Sumas and the Canadian border.

533 Second Street, Sumas

Listing courtesy of Muljat Group.

$499,000
4 Beds ⋅ 2 Baths ⋅ 2492833 MLS ⋅ ACTIVE Status
This beautiful 4-bedroom, 2-bath home was built in 2019 and is located in a highly desirable neighborhood! It features a functional open floor plan, an attached 2-car garage, and a fully fenced large backyard perfect for entertaining, pets, or play. Enjoy beautiful mountain views from the property while taking advantage of the convenient location near schools, parks, shopping, and everyday amenities. A wonderful opportunity to own a home that combines comfort, location, and scenic surroundings. Lots of natural light throughout the home. Spacious walk-in closet off the primary bedroom. Schedule your private showing of this move in ready home today. This home has never flooded!

413 Cornerstone Drive, Sumas

Listing courtesy of HomeSmart One Realty.

$299,900
2548359 MLS ⋅ ACTIVE Status
Build your dream estate on this stunning 8.88-acre parcel above the Sumas Valley. With power and water on site and a water share included, this property offers an exceptional opportunity to create a private retreat amid sweeping mountain and territorial views. Lightly treed and partially cleared with a premier homesite, it’s tucked at the end of a quiet dead-end road, just minutes from town and the Canadian border. An ideal setting for a custom home with space to breathe.

4135 Kamphouse Drive, Sumas

Listing courtesy of Petz Real Estate.

$850,000
2544489 MLS ⋅ ACTIVE Status
Great owner-occupant or investment opportunity! This fourplex offers four 2-bedroom, 1-bathroom units, each with a large private backyard and two parking spaces. One unit is vacant and ready for renovation. This is a great chance for jumping into the rental market while living on the property with rental income from the other three units helping to pay the mortgage. Conveniently located within walking distance of Sumas Elementary, Edaleens Ice Cream, the grocery store just around the corner. A great chance to own an income-producing property with occupancy available.

124 Mitchell Street, Sumas

Listing courtesy of Roma Management LLC.

$375,000
3 Beds ⋅ 2 Baths ⋅ 2536618 MLS ⋅ ACTIVE Status
Fully restored and move-in ready, this spacious one-level home offers over 1,800 square feet of comfortable living space and exceptional value in Whatcom County. Featuring two separate living areas, this versatile floor plan provides plenty of room to relax, entertain, work from home, or accommodate changing household needs. The generous primary suite includes a private full bath, while the den offers an easy opportunity for a 4th bedroom, office, or flex space.Recent updates include a new water heater, new roof, and new stainless-steel appliances, allowing you to move in with confidence. Bright, airy interiors are filled with natural light, creating a welcoming atmosphere throughout. Outside, the large sun-drenched yard is ready for gardening, play, or your dream outdoor retreat, complete with a fantastic backyard BBQ setting and abundant off-street parking for vehicles, RVs, or recreational equipment.Conveniently located just 30 minutes from Bellingham and close to world-class skiing at Mt. Baker, hiking, fishing, and all the amenities British Columbia has to offer, this home combines affordability, flexibility, and outdoor lifestyle opportunities. A rare chance to own a fully restored home with space to grow and room to make it your own.

230 Cleveland Avenue, Sumas

Listing courtesy of RE/MAX Whatcom County, Inc..

$379,000
3 Beds ⋅ 2 Baths ⋅ 2514439 MLS ⋅ ACTIVE Status
Impeccably maintained single level home in Sumas offering three bedrooms, two bathrooms, and 1,300 square feet of comfortable living space. Enjoy an open concept layout with spacious rooms and seamless flow. Perfect for everyday living and entertainment. The kitchen features stainless steel appliances and opens up to a bright living area. Home was recently updated with a new walk-in shower in primary bathroom, new Anderson windows, new 30-year roof, and fresh paint. Stay comfortable year-round with an energy efficient mini split providing both heat and AC. Step outside to a large fenced yard with alley a generous patio for ideal gatherings, and plenty of room for RV Conveniently located close to schools and parks, this home is move in ready and a must see.

232 Front Street, Sumas

Listing courtesy of Windermere RE Whatcom, Inc..

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