King County Homes with Assumable Terms

King County Homes with Assumable Terms

Welcome to King County, located in the beautiful state of Washington, USA. Known for its stunning natural landscapes, vibrant cities, and thriving economy, King County offers a fantastic place to call home.

With a population of over 2 million people, King County is the most populous county in Washington. It is home to the bustling city of Seattle, which is famous for its iconic Space Needle, vibrant music scene, and world-class coffee culture. The county also encompasses a diverse range of neighborhoods, each with its own unique charm and character.

If you're in the market for a new home and looking for flexible financing options, you'll be pleased to know that King County offers homes with assumable terms. Assumable terms mean that the buyer of the property can take over the seller's existing mortgage, which can be an attractive option for those seeking more favorable interest rates or who may not qualify for traditional financing.

By opting for a home with assumable terms in King County, you can potentially save on closing costs and enjoy a smoother home buying process. It's important to note that not all homes in the county offer assumable terms, so working with a knowledgeable real estate agent can help you navigate the market and find the perfect property that meets your specific needs.

Whether you're drawn to the vibrant city life of Seattle or the peaceful suburbs of King County, there are plenty of options to suit every lifestyle and budget. Start your search today and discover the endless possibilities that await you in King County, Washington.

Newest King County Homes with Assumable Terms

11802 98th Avenue NE Unit #B6, Kirkland
$540,597
2 Beds ⋅ 2 Baths ⋅ 2591259 MLS ⋅ ACTIVE Status
Beautiful 3-story townhome nestled in desirable Hillside Village in the heart of Juanita! Light-filled and open, this stylish residence offers generous living spaces, 2 spacious bedrooms with soaring vaulted ceilings, and 1.5 baths. Enjoy plush carpeting throughout and a modern kitchen complete with durable quartz countertops, timeless cabinetry, and stainless steel appliances. The inviting living room serves as the ideal retreat, anchored by a cozy wood-burning fireplace for chilly Northwest evenings. Step outside to your private deck—perfect for morning coffee or hosting intimate summer gatherings—and take in seasonal views of Lake Washington from the front bedroom! An oversized 1-car garage provides exceptional functionality, featuring an expanded flex space ideal for extra storage, a workshop, or home gym gear, plus dedicated guest parking nearby. Enjoy low HOA dues and an effortless, walkable lifestyle! Unbeatable location: walk to Juanita Village shops, popular restaurants, local cafes, Juanita Beach Park & Pier, and the picturesque waterfront trail leading right into downtown Kirkland. Exceptional access to major commuter routes and tech hubs makes daily travel a breeze. Welcome home to convenience, community, and the ultimate Kirkland lifestyle! The Zillow Showcase tour provides an exceptional way to view the entire unit.

11802 98th Avenue NE Unit #B6, Kirkland

Listing Broker: Real Broker LLC; Darrin Stumpf; 855-450-0442; info@darrinstumpf.com

17529 93rd Avenue NE, Bothell
$1,070,000
3 Beds ⋅ 2 Baths ⋅ 2591055 MLS ⋅ ACTIVE Status
A distinctive West Hill rambler with a rare financing opportunity. This warm, character-filled home offers the ease of one-level living with custom woodwork, thoughtful built-ins, hardwood floors, and spaces designed for both everyday life and entertaining. The kitchen is a true centerpiece with a commercial-grade gas range with two ovens, Sub-Zero refrigeration, dual sinks and generous prep space. The primary suite opens directly to a covered patio that functions as an outdoor room—sheltered, spacious and surrounded by established gardens. Three flexible outbuildings plus a 550 sq ft garage/workshop provide exceptional space for hobbies, a home office, gym, projects or storage, including a separate electrical panel and air-compressor hookup. Major updates include a black metal roof, fresh exterior paint, new heat pump with A/C, new living-room carpet and modern entry door. Additional systems include a 90%+ furnace, tankless water heater, generator and hot-tub wiring, and a new exterior sewer-line access port. No HOA. Northshore Schools. Home warranty included. Assumable FHA financing at 2.75%, subject to lender approval and buyer qualification, offers a potentially significant monthly-payment advantage compared with today's rates. Now offered at $1,070,000.

17529 93rd Avenue NE, Bothell

Listing Broker: CENTURY 21 Real Estate Center; Sarah S. Gravelle; 425-238-7499; Sarah@C21center.com

18866 108th Lane SE, Renton
$514,950
3 Beds ⋅ 3 Baths ⋅ 2590544 MLS ⋅ ACTIVE Status
Seller offering an assumable 3.375% loan for qualified buyers—major monthly savings vs today’s rates. Thoughtfully upgraded 1,490 sq. ft. townhouse with open-concept living, engineered hardwoods, corner fireplace & soaring ceilings. Slider opens to a private patio + peaceful backyard. Chef-inspired kitchen w/ SS appliances and generous counter space. Upstairs loft w/ skylight adds flexible space for work or relaxation. Primary suite features walk-in closet & dual-sink 3/4 bath; plus two more bedrooms and full bath. 2-car garage for everyday ease. Recent updates: new thermostat & dishwasher and fresh exterior care (sidings washed and trims painted in 2026), new roof (2024). Located in a secured, gated community w/ HOA-maintained exteriors, playground, park & athletic court. Close to highways, hospitals, transit, schools, shopping & dining. No rental cap. This property qualifies for other home loan options: Conventional, FHA, Downpayment Assistance and VA.

18866 108th Lane SE, Renton

Listing Broker: John L. Scott, Inc; Janette Matugas; 253-951-2337; jmatugas@johnlscott.com

12930 SW 204th Street, Vashon
$1,475,000
4 Beds ⋅ 3 Baths ⋅ 2590110 MLS ⋅ ACTIVE Status
A quintessential Northwest A-frame retreat, exquisitely remodeled and set within more than five acres of private forestland across two legal lots. Thoughtfully reimagined throughout, this extraordinary residence blends iconic architectural character with refined modern living in a serene, retreat-like setting. The heart of the home is an expansive open-concept kitchen anchored by an enormous island, designed for effortless entertaining and everyday gathering. A dramatic wall of sliding doors opens seamlessly onto an expansive deck overlooking the sprawling front lawn and surrounding forest, creating a stunning indoor-outdoor living experience immersed in nature. The main level offers exceptional flexibility with a spacious media room, two bedrooms, and a full bathroom. Upstairs, the private primary suite features a spa-inspired ensuite bath and oversized walk-in closet. A lofted bonus space is ideal for a home office, fitness studio, yoga retreat, meditation lounge, or creative workspace. An additional upstairs bedroom includes a large closet and stylish 3/4 bath, perfect for guests. Every detail is entirely brand new, offering timeless Northwest design with modern comfort and sophistication. You’re a short ferry ride to Seattle or Tacoma or anywhere off Island that you desire to go! You’re minutes to downtown Vashon, equally accessible to the both ferries, close to so many parks, boat launches, and everything Vashon has to offer. Welcome to Island life!

12930 SW 204th Street, Vashon

Listing Broker: Real Broker LLC; Darrin Stumpf; 855-450-0442; info@darrinstumpf.com

10814 SE 304th Street, Auburn
$698,000
5 Beds ⋅ 3 Baths ⋅ 2590383 MLS ⋅ ACTIVE Status
Welcome to your own private retreat on a beautifully landscaped, shy 1/3-acre lot. This exceptional home perfectly balances indoor comfort with expansive outdoor living, making it a desirable place for daily life and an entertainer's dream. The main level welcomes you with warm wood-look flooring and an abundance of natural light. In the living room, a classic fireplace competes only with the stunning territorial views captured through large windows and sliding glass door. Step out onto the spacious deck for morning coffee while enjoying the view or host dinner parties in adjacent formal dining room. The sun-drenched kitchen boasts rich wood cabinetry and charming breakfast nook. Down the hall, the primary suite overlooks the lush backyard and features a fireplace plus en-suite bath. 2 more bedrooms & full main hall bath complete this level. Downstairs, discover the ultimate bonus space: a huge rec room anchored by a cozy fireplace insert and pre-plumbed wet bar, ideal for game nights or a media lounge. This level also features two additional bedrooms and an updated 3/4 bath—perfect for guests or a home office. Walk straight out to the sprawling, ultra-private backyard, where mature trees, a play structure, and an outbuilding await. Key updates include fresh exterior paint, a newer roof, newer carpet and a rare 2-car garage with drive-through capability. All of this is situated in a highly desirable, close-in area just minutes from shopping, dining & highway access. No HOA!

10814 SE 304th Street, Auburn

Listing Broker: Windermere RE West Campus Inc; Kris Holden; 206-999-9621; kholden@windermere.com

115 SW 181st Place, Normandy Park
$750,000
4 Beds ⋅ 4 Baths ⋅ 2589612 MLS ⋅ ACTIVE Status
RARE 4-bedroom newer townhome in Normandy Park offering exceptional space, flexibility & convenience to Seattle, Sea-Tac Airport and the waterfront! Built in 2023 in Sapphire on Normandy, this modern 4-bedroom, 3.5-bath, 2,215 SF home is designed for buyers who want more space without the maintenance of a traditional single-family property. The versatile multi-level floor plan is a standout, featuring multiple ensuite bedroom configurations, walk-in closets and a lower-level bedroom suite with outdoor access—ideal for guests, multigenerational living, work-from-home space or added privacy. The bright open-concept main level features LVP flooring and a chef-inspired kitchen with quartz countertops, stainless appliances, abundant cabinetry and oversized island. Enjoy a private deck, backyard, PRIVATE SAUNA, attached garage and additional parking. Sapphire on Normandy also offers community green space/dog park, while HOA-maintained lawn, common areas & roads support an easy lock-and-leave lifestyle. Minutes to Des Moines Marina, Puget Sound, Sea-Tac Airport, shopping, dining, parks, Hwy 509 & I-5 with convenient access to Seattle. An exceptional opportunity for buyers searching for a Normandy Park home, Seattle-area townhome, newer 4-bedroom home, multigenerational floor plan or low-maintenance home near SeaTac!

115 SW 181st Place, Normandy Park

Listing Broker: COMPASS; Nicole Braam; 253-237-2090; nicole.braam@compass.com

9515 Linden Avenue N, Seattle
$639,950
2 Beds ⋅ 1 Baths ⋅ 2588576 MLS ⋅ ACTIVE Status
3.75% ASSUMABLE LOAN OPPORTUNITY! Incredible below-market interest rate & potential for huge savings! Rare freestanding Greenwood home, just over a mile from Green Lake, offering space, privacy, parking, and flexibility! This light-filled, fenced 1,200 sq ft home features an inviting open layout, oak hardwood floors, a private outdoor retreat, three parking spaces, and a detached backyard studio. Spacious living and dining areas flow into an updated kitchen with granite countertops, eating bar, glass cooktop, double oven, heated travertine floors, and room for a dining table. Large windows fill the home with natural light, while the sandstone wood-burning fireplace adds warmth. Two oversized bedrooms feature French doors opening directly to the southwest-facing deck and landscaped backyard oasis, perfect for outdoor dining, entertaining, or relaxing. The detached backyard studio provides valuable bonus space for a home office, creative studio, fitness area, or hobby room. A separate storage shed with workbench offers additional room for tools and outdoor equipment. Updated full bath with tile finishes and heated floor, plus a laundry area with newer washer and dryer. Three parking spaces out front with room for multiple vehicles, larger vehicles, or an RV. Earthquake retrofitted, chimney serviced, newer hot water tank, and updated electrical. Surrounded by restaurants, cafés, breweries, and shopping. Easy access to I-5, downtown Seattle, Interurban Trail, and Light Rail!

9515 Linden Avenue N, Seattle

Listing Broker: eXp Realty; Lilly Fedorova; 425-236-1732; seattledreamhomesc21@gmail.com

18910 71st Avenue NE, Kenmore
$875,000
4 Beds ⋅ 3 Baths ⋅ 2587623 MLS ⋅ ACTIVE Status
Welcome home to this beautifully remodeled 4-bedroom, 3-bathroom home, offering open-concept kitchen, dining and living room perfect for entertaining. The kitchen update includes subway tile, farmhouse sink, SS appliances and more! The property features new doors, windows and fresh interior paint throughout. The downstairs has been completely renovated creating a versatile and inviting area perfect for a family room, guest suite, home office, entertainment space, or additional living quarters. Located in a quiet, safe, and desirable neighborhood, this home offers the perfect combination of comfort, convenience, and move-in-ready appeal.

18910 71st Avenue NE, Kenmore

Listing Broker: Kelly Right RE of Seattle LLC; Amanda Mayberry; 206-794-6446; amanda.d.mayberry@gmail.com

12873 SE 75th Road, Newcastle
$1,139,000
5 Beds ⋅ 4 Baths ⋅ 2589382 MLS ⋅ ACTIVE Status
End-unit Lakehouse townhouse with 5 bedrooms and 3.5 baths, refreshed with new interior paint, carpet, and engineered hardwood. Chef’s kitchen with quartz island, spa-inspired primary suite, lower-level guest suite with ensuite bath, and 2-car garage with EV charger. Minutes to Lake Boren Park and Newcastle Commons, within the award-winning Issaquah School District.

12873 SE 75th Road, Newcastle

Listing Broker: John L. Scott, Inc.; Maria Luz Ambrisi; 425-588-1206; luzambrisi@johnlscott.com

12873 SE 75th Road, Newcastle
$1,139,000
5 Beds ⋅ 4 Baths ⋅ 2588341 MLS ⋅ ACTIVE Status
End-unit Lakehouse townhouse with 5 bedrooms and 3.5 baths, refreshed with new interior paint, carpet, and engineered hardwood. Chef’s kitchen with quartz island, spa-inspired primary suite, lower-level guest suite with ensuite bath, and 2-car garage with EV charger. Minutes to Lake Boren Park and Newcastle Commons, within the award-winning Issaquah School District.

12873 SE 75th Road, Newcastle

Listing Broker: John L. Scott, Inc.; Maria Luz Ambrisi; 425-588-1206; luzambrisi@johnlscott.com

9943 SW 123rd Place, Vashon
$1,499,000
4 Beds ⋅ 4 Baths ⋅ 2588806 MLS ⋅ ACTIVE Status
Experience exceptional waterfront living in this beautifully updated Puget Sound retreat, where timeless character and thoughtful modern improvements come together in an extraordinary North End setting. Ideally located just minutes from the ferry, the property offers 96 feet of waterfront with a newly permitted rock bulkhead—perfect for launching a kayak, beachcombing, or simply taking in the ever-changing views of the Sound. The main level offers a bedroom, dedicated office, charming breakfast patio, and an inviting wraparound porch overlooking the water. At the heart of the home, the kitchen is designed for gathering with rich cherry cabinetry, PaperStone countertops, an eating bar, and an adjoining sunroom filled with natural light. The primary suite encompasses the second level with additional rooms for storage or office, creating a private waterfront sanctuary with panoramic views, dual walk-in closets, bluestone floors, dual vanities, and a soaking tub. The fully finished daylight lower level adds exceptional versatility with two additional bedrooms, a full kitchen, bathroom, and separate living area—ideal for guests, multigenerational living, or potential rental income.With its coveted North End location, extensive updates, flexible living spaces, and remarkable waterfront access, this is a rare opportunity to enjoy the very best of Vashon Island.

9943 SW 123rd Place, Vashon

Listing Broker: Vashon Isl. Sotheby's Int'l RE; Mallory Preston Dorman; 206-660-0897; mallory.dorman@vashonislandsir.com

1309 N 80th Street, Seattle
$845,000
2 Beds ⋅ 1 Baths ⋅ 2587984 MLS ⋅ ACTIVE Status
Step into this delightful, updated and charming 1940 Cape Cod–style home, offering 2 beds, 1 bath in 1,740 total sqft. Main level has comfortable living space. Enjoy classic elegance with hardwood floors, coved ceilings, formal dining room, and two cozy fireplaces. Unwind in the bright, south-facing backyard—perfect for gardening, play, or relaxation. The partially finished basement offers additional living space, while the attached garage provides parking and storage - potential to expand. Located steps from Green Lake, this home scores an impressive 86 walk, 91 bike, & 53 transit—making it ideal for active, urban lifestyles. With easy access to schools, dining, and recreation, this home blends historic charm with modern convenience.

1309 N 80th Street, Seattle

Listing Broker: RE/MAX Metro Realty, Inc.; Reba Haas; 206-888-2968; info@teamreba.com

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