Cowlitz Homes with USDA Loan Terms

Cowlitz Homes with USDA Loan Terms

Cowlitz County, located in the state of Washington, is a picturesque region that offers a perfect blend of natural beauty and urban amenities. Situated in the southwestern part of the state, Cowlitz County is known for its stunning landscapes, including the majestic Cascade Mountains, lush forests, and the scenic Columbia River.

For those looking to settle down in this charming county, there is good news - homes with USDA loan terms are available. The USDA loan program is designed to help low to moderate-income families achieve their dream of homeownership. These loans offer favorable terms, such as low-interest rates and flexible credit requirements, making them an attractive option for many homebuyers.

With USDA loan terms, prospective homeowners in Cowlitz County can take advantage of affordable financing options to purchase their dream home. Whether you're looking for a cozy bungalow in a quiet neighborhood or a spacious house with a large backyard, there are plenty of options to choose from.

Cowlitz County also offers a range of amenities and attractions for residents. The county is home to vibrant communities, excellent schools, and a thriving economy. Outdoor enthusiasts will appreciate the numerous parks, hiking trails, and recreational opportunities available in the area.

If you're considering buying a home in Cowlitz County, exploring the options with USDA loan terms can make your homeownership dreams a reality. Contact a local real estate agent or lender to learn more about the available properties and financing options in this beautiful county.

Newest Cowlitz Homes with USDA Loan Terms

$624,900
2 Beds ⋅ 2 Baths ⋅ 2565669 MLS ⋅ ACTIVE Status
Beautiful Silverlake WATERFRONT -- 2 Lots -- 2 Bedroom / 1 Bathroom -- REMODELED / UPDATED -- 1250 Sqft -- Nearly 1 Acre w/ Lake Frontage & Private Mooring -- Great Room Concept w/ Kitchen & Dining Area -- Laminate Flooring Throughout -- Primary Bedroom w/ Walk-In Closet -- 2nd Bedroom w/ Walk-in Closet -- UPDATED Bathroom -- Wall AC -- Vinyl Windows -- Gated -- RV Cover -- Covered Deck -- 24 x 30 Shop + Lean-to -- Shop has Bathroom -- 5 RV Sites w/ Hookups -- Outside Fire pit -- Landscaped -- Pellet Stove -- Wood/Garden Shed -- 200 Amp Service -- One of a Kind Property -- Unique -- Private -- Close to Year Round Recreation -- GREAT FISHING -- Less than 1 hour to Vancouver / PDX

205 Lamar Road, Silverlake

Listing courtesy of Keller Williams-Premier Prtnrs.

$424,900
3 Beds ⋅ 3 Baths ⋅ 2560385 MLS ⋅ ACTIVE Status
Beautifully updated and move-in ready 3-bedroom, 2.25 bathroom single-level home in the desirable Lexington neighborhood! Vaulted ceilings and abundant natural light create a bright, inviting feel throughout. Features include updated bathrooms, an updated laundry room, a spacious primary suite with an en-suite bathroom, a large living room, and a separate family room. Enjoy the fully fenced backyard with a covered patio, plenty of shade for warm summer days, and a storage shed. Outside you'll also find a second driveway, an attached two-car garage, and a covered storage area that's perfect for storing lawn equipment, ATVs, side-by-sides, tools and more! Professionally cleaned and conveniently located just minutes from town, parks, I-5, and Lexington Elementary.

236 Sparks Drive, Kelso

Listing courtesy of Realty One Group Pacifica.

$400,000
2 Beds ⋅ 2 Baths ⋅ 2534020 MLS ⋅ ACTIVE Status
If you’re looking for peace, privacy, and plenty of room for your toys, this is the home for you. Nestled on a full acre, this 2-bedroom, 2-bath doublewide manufactured home offers a wonderful blend of comfort, functionality, and extras you’ll love. Inside, you’ll find vaulted ceilings, an open floor plan, and just the right amount of space to feel both comfortable and connected. The kitchen features oak cabinetry, a breakfast bar, and stainless steel appliances, making it both practical and inviting. The spacious primary suite includes a vaulted ceiling, walk-in closet, and full bath, creating a relaxing retreat at the end of the day. Step outside and enjoy the peaceful setting backing to a greenbelt with a year-round creek. The impressive 12x42 covered patio spans the entire length of the home, offering the perfect space for outdoor entertaining or quiet evenings at home. Additional highlights include a 2-car 26x28 garage with pull-down attic storage, a small den/office, and an additional 20x24 garage for even more flexibility. Don’t miss your chance to make this unique property yours — schedule your private showing today!

243 Ross Road, Kelso

Listing courtesy of Windermere Northwest Living.

$379,000
4 Beds ⋅ 3 Baths ⋅ 2563433 MLS ⋅ ACTIVE Status
Welcome to 102 Green Hill Drive, a charming multi-level retreat nestled in a serene Longview neighborhood surrounded by lush, mature trees. Step inside the inviting split-level entryway and head upstairs into a light-filled, open-concept main floor designed for effortless living and entertaining. Wood-look laminate flooring and large windows bring warmth and natural light throughout the open kitchen, dining area, and main living space, which centers around a cozy wood-burning fireplace. The stylish kitchen features sleek grey cabinetry, dark hardware, and a full suite of appliances. A new stainless steel range hood will soon be installed above the stove. Just down the hall, you’ll find spacious bedrooms with updated full and half baths. Downstairs, the finished walk-out lower level offers incredible flexibility. Perfect as a multi-generational suite, rec room, or second living space, it includes a second brick hearth, a fourth bedroom, full laundry facilities, and direct access to an oversized hobbyist garage. Both main living spaces flow seamlessly through exterior doors onto an expansive, elevated deck overlooking a peaceful, private forest—ideal for morning coffee or evening relaxation. Versatile, move-in ready, and packed with potential, this home is a beautiful blank slate ready for your personal touch!

102 Green Hill Drive, Longview

Listing courtesy of MORE Realty.

$399,000
3 Beds ⋅ 2 Baths ⋅ 2561473 MLS ⋅ ACTIVE Status
Move in ready and priced with purpose! This 3 bed, 2 bath ranch home offers single level living with the updates buyers appreciate, including a newer roof and brand new carpet! You'll also enjoy a 2 car attached garage, forced air heating and a spacious primary suite complete with en suite bath and walk in closet. The deck extends your living space outdoors to a fully fenced backyard that is equally happy hosting friends or an enthusiastic golden retriever!

106 Mission, Kelso

Listing courtesy of Century 21 Northstar.

$517,000
3 Beds ⋅ 2 Baths ⋅ 2560354 MLS ⋅ ACTIVE Status
Picture yourself sitting on the swing, tucked under a cedar pergola, between the fruit trees. There's a great breeze and you just know you're home. It's the kind of place people dream of. That's what you'll find here: shade, privacy, and enough space to actually do more.This Castle Rock home has room for everyone and everything, with loads of parking plus a gravel pad for the RV or boat, and a shop that gives you space for toys, tinkering, or storage.Pull into the attached garage and you're in the house without a drop of rain every getting on you. Coming into the kitchen, you'll find stainless steel appliances, dark cabinets, and beautiful tile work that ties it all together. There's a great sized pantry, new flooring throughout the house, vinyl windows, HVAC to keep you comfortable in every season, and a brick fireplace in the living room for the months you'll just want to stay inside. A covered patio is right off the dining room slider for whenever you want to move the party outside.Single level with an easy layout. The primary bedroom has his and hers closets and its own 3/4 ensuite. The main hallway bath has a few high tech features you should definitely check out. Less than 10 minutes to I-5, shopping and restaurants.Come on over...sit on the swing and we promise...you'll get it.

202 Waters Road, Castle Rock

Listing courtesy of Realty One Group Pacifica.

$279,000
2 Beds ⋅ 1 Baths ⋅ 2527260 MLS ⋅ ACTIVE Status
Reside in this 55+ community of Ryderwood, and you will be pleasantly surprised. This home is distinctive in its location across from Campbell Creek, offering a serene natural ambiance. The residence features newer windows, a 2016 roof with a 30-year warranty, a newly remodeled bathroom, a 2023 electrical panel, and newer kitchen appliances, and high-quality, efficient mini-splits for comfortable summers and cozy winters. Additional, the property includes a shop, RV parking, a tandem garage, and a fully fenced yard.

509 Monroe Street, Ryderwood

Listing courtesy of Southwest Washington Realty.

$435,777
3 Beds ⋅ 2 Baths ⋅ 2556497 MLS ⋅ ACTIVE Status
Beautiful one-level home is located in a newer community and offers quality finishes, thoughtful design, and easy living. The exterior features attractive brick siding and a large covered front porch with welcoming lighting. Step inside to an open great room with luxury vinyl plank flooring throughout and a stunning-floor-to-ceiling brick fireplace with a wood mantle as the focal point. The kitchen is designed for both everyday living and entertaining with granite countertops, custom cabinetry, stainless steel appliances, and a dining area. The primary bath offers a soaking tub with a tile surround, shower, and plenty of space to unwind. The utility room includes built-in cabinetry, a sitting area, and additional storage. Additional features include 9-foot ceilings, a tankless water heater, and a forced-air heat pump. Step outside to enjoy the large covered patio complete with a built-in outdoor fire pit and plenty of space for outdoor gardening. Just seconds away from Silver Lake, Washington's premier bass fishing destination, with easy access to State parks, nearby lakes for excellent trout fishing, and the convenience of I-5 just a short drive away.

116 Zephyr Drive, Silverlake

Listing courtesy of eXp Realty.

$649,975
3 Beds ⋅ 2 Baths ⋅ 2551454 MLS ⋅ ACTIVE Status
Come home to a place that makes you exhale the moment you arrive. Set on a almost 1 acre spacious lot in a sweet neighborhood setting, this beautiful custom-built 3bd, 2bth ranch offers fresh air, natural light, green surroundings, and easy single-level living. From the welcoming entry with 9-foot ceilings and warm flooring, the home feels calm, comfortable, and thoughtfully designed for everyday life. The formal living room offers a peaceful place to visit or unwind, while the kitchen, dining, and family room create the heart of the home. The layout feels open and connected, yet still has just enough separation to keep daily life relaxed and functional. The kitchen shines with quartz countertops, tile backsplash, custom cabinetry, stainless steel appliances, built-in range, microwave, oven, generous pantry, and beautiful natural light. Wide hallways add to the spacious feel, and the landing area off the garage is perfect for kicking off shoes after a long day. The primary suite is light, airy, private, and spacious, with large windows, a walk-in closet, and a beautifully finished tile bathroom. Step outside and imagine quiet mornings with coffee, summer evenings on the back patio, and just enough yard space to enjoy without feeling overwhelmed. It feels tucked away, yet keeps you close to town, freeway access, and everyday conveniences. Conveniently situated between PDX and Olympia, this home brings comfort, location, and lifestyle together beautifully.

108 Lily Lane, Castle Rock

Listing courtesy of Berkshire Hathaway HS NW.

$445,000
2 Beds ⋅ 1 Baths ⋅ 2553771 MLS ⋅ ACTIVE Status
Built in 2019, this energy-efficient 2-bedroom, 1-bath home sits on a spacious 1/3-acre lot in one of Kalama's most desirable neighborhoods, offering beautiful partial Columbia River views. The open floor plan features a well-designed kitchen with abundant cabinetry, generous counter space, and stainless steel appliances that stay. The dining area and primary suite both provide access to the rear deck, and the primary bedroom includes a full bath. Recent updates include new carpet and fresh paint on the exterior doors and trim. A ductless heat pump provides year-round comfort. Outside, enjoy a covered front patio, fenced backyard with plenty of garden space, and room to expand your outdoor living. The detached one-car garage includes an automatic opener and a 100-amp electrical panel. Seller reports an average PUD bill of approximately $100 per month, and approximately three years remain on the builder's transferable home warranty. Conveniently located just minutes from downtown Kalama, the Columbia River waterfront, fishing, shopping, dining, and the popular McMenamins Kalama Harbor Lodge, this move-in-ready home offers the perfect balance of comfort, efficiency, and location.

1009 Taylor Road, Kalama

Listing courtesy of RE/MAX Premier Group.

$599,999
3 Beds ⋅ 2 Baths ⋅ 2553026 MLS ⋅ ACTIVE Status
If country living is what you’re after, look no further—your new home awaits at 265 Easy Street Road. Set on 2.5 acres, this property offers three bedrooms, a den option, two bathrooms, and plenty of peace and quiet. Enjoy a spacious living room, a country kitchen, and an enclosed porch for comfortable living. The grounds feature abundant outdoor space with multiple outbuildings, including a versatile 20x40 shop that can serve as living space, in-law quarters, a game room, exercise room, or simply a shop. Additional outbuildings are ideal for equipment, parking, storage, a woodshop, dog kennel, chicken pen, horse stalls, or garden shed—the possibilities are endless. Schedule your showing appointment today!

265 Easy Street Road, Silverlake

Listing courtesy of RE/MAX Premier Group.

$279,900
3 Beds ⋅ 2 Baths ⋅ 2529806 MLS ⋅ ACTIVE Status
Welcome home to this brand-new 2025 manufactured home offering modern comfort, stylish finishes, and the added benefit of owning the land—no space rent! This thoughtfully designed 3-bedroom, 2-bathroom home features 1,056 square feet of bright, open living space with a functional floor plan perfect for first-time buyers, or those looking to downsize without sacrificing quality. The spacious kitchen opens to the living and dining areas, creating an inviting space for entertaining and everyday living. The private primary suite includes an en-suite bathroom, while two additional bedrooms provide flexibility for guests or a home office. Situated on a 6,000-square-foot fenced lot, this property offers plenty of outdoor space for pets, gardening, or relaxing. A convenient carport provides covered parking, and the generous yard offers endless possibilities for outdoor enjoyment. Enjoy the rare opportunity to own a new home on its own land with no HOA fees and no monthly space rent. Move-in ready and built with today's lifestyle in mind, this is an excellent opportunity to enjoy affordable homeownership in a beautiful new home.

102 Sir Lancelot Way, Castle Rock

Listing courtesy of Windermere Northwest Living.

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