Sumas Homes with USDA Loan Terms

Sumas Homes with USDA Loan Terms

Located in Whatcom County, Washington, Sumas is a charming city that offers a peaceful and close-knit community for its residents. Situated in the northwestern part of the United States, Sumas is known for its scenic beauty, friendly atmosphere, and convenient access to various amenities.

Sumas is an ideal place for those seeking homes with USDA loan terms. The USDA loan program provides affordable financing options for eligible homebuyers in rural areas, making it easier for them to achieve their dream of homeownership. With Sumas being a small city surrounded by natural landscapes, it qualifies as a rural area, making it a great option for those interested in USDA loans.

Homes with USDA loan terms in Sumas offer numerous benefits. These loans often require no down payment, allowing buyers to purchase a home without having to save for a large upfront payment. Additionally, USDA loans typically have lower interest rates and flexible credit requirements, making them accessible to a wide range of buyers.

Whether you're a first-time homebuyer or looking to relocate to a peaceful and picturesque community, Sumas provides an excellent opportunity to find your dream home with USDA loan terms. With its small-town charm, beautiful surroundings, and access to the USDA loan program, Sumas is a city worth considering for your real estate needs.

Newest Sumas Homes with USDA Loan 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..

$485,000
4 Beds ⋅ 2 Baths ⋅ 2492833 MLS ⋅ ACTIVE Status
This 4-bedroom, 2-bath home has never flooded! Sellers are also offering $10,000.00 credit toward a rate buy down or buyers closing costs. It 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. With the recent price reduction and now offering buyer credit it won't last long!

413 Cornerstone Drive, Sumas

Listing courtesy of HomeSmart One Realty.

$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..

$374,000
4 Beds ⋅ 2 Baths ⋅ 2499211 MLS ⋅ ACTIVE Status
Beautiful craftsmanship in this 4-bedroom, 2 bath classic home with original hardwood floors. Lots of storage throughout with custom built-in cabinets and walk-in closets. Large living room and kitchen. Primary bedroom with second story deck to enjoy a scenic view of the mountains! This home is on a large corner lot with a detached garage. Plenty of room for all your hobbies. This 2,032 square foot home has the space you desire. New roof in 2025. No water in the living space of this home from any of the floods!

517 Lawson Street, Sumas

Listing courtesy of HomeSmart One Realty.

$370,000
3 Beds ⋅ 2 Baths ⋅ 2498397 MLS ⋅ ACTIVE Status
If you've been waiting for the right opportunity, this fully updated home just became even more attainable with new pricing that offers exceptional value! Take advantage of down payment assistance and get in your new home for less! This move-in-ready 3-bedroom, 2-bathroom home features 1,200 square feet of thoughtfully updated living space, making it easy to settle in from day one. Outside, you'll find a fully fenced backyard that's perfect for weekend barbecues, entertaining friends, letting pets play, garden space, or simply relaxing after a long day. A shop in the back provides plenty of space for projects as well as the convenient carport adds everyday functionality and extra covered parking. Whether you're buying your first home, or looking for a smart investment, this refreshed price creates an even better opportunity to own a professionally updated property, with room in the budget for potential future improvement! Schedule your private showing today, review the full list of updates and see why this home deserves a spot at the top of your list to take advantage of this new value!

310 Second Street, Sumas

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

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