King Homes with USDA Loan Terms

King Homes with USDA Loan Terms

King County, located in the state of Washington, is one of the most sought-after areas in the United States. Known for its vibrant cities, breathtaking natural beauty, and thriving economy, King County offers a high quality of life for its residents.

Situated in the heart of the Pacific Northwest, King County is home to the bustling city of Seattle, which serves as a major economic and cultural hub. With its iconic skyline, world-renowned coffee culture, and vibrant music scene, Seattle attracts people from all walks of life. The county also includes other cities such as Bellevue, Redmond, and Kirkland, which offer their own unique charm and amenities.

One of the key advantages of buying a home in King County is the availability of USDA loan terms. The USDA loan program provides financing options for eligible homebuyers in rural and suburban areas. This means that individuals and families looking to purchase a home in King County can benefit from low-interest rates and flexible terms, making homeownership more accessible and affordable.

Whether you're looking for a cozy suburban neighborhood or a trendy urban loft, King County has a diverse range of housing options to suit every lifestyle and budget. From charming craftsman-style homes to sleek modern condos, there is something for everyone in this thriving county.

With its stunning natural landscapes, thriving job market, and top-rated schools, King County is an ideal place to call home. Whether you're a first-time homebuyer or looking to upgrade to a larger property, the homes with USDA loan terms in King County provide an excellent opportunity to achieve your real estate goals.

Newest King Homes with USDA Loan Terms

$2,350,000
4 Beds ⋅ 3 Baths ⋅ 2566575 MLS ⋅ ACTIVE Status
In a neighborhood increasingly defined by larger-scale new construction, this Enatai home stands apart for its charm, livability, and unmistakable sense of character. Originally built in 1955 and extensively remodeled, it offers a rare combination of architectural personality, natural light, and flexible living spaces just blocks from Lake Washington.Dormer ceilings, vaulted spaces, and expansive windows create warmth and volume throughout. The open-concept kitchen, living, and dining spaces feel connected yet intimate, centered around a substantial masonry wood-burning fireplace that gives the home its soul. Morning sun pours into the east-facing rooms while warm evening light settles across the west-facing spaces and backyard.The layout offers exceptional flexibility for changing needs and lifestyles. Main-level primary suite features heated travertine floors, soaking tub, walk-in closet, and private shower. A second main-floor bedroom works equally well as office, nursery, or guest space. Upstairs includes two additional bedrooms, full bath, vaulted rec room, and west-facing IPE ironwood deck with peekaboo Cascade and Mt. Rainier views. Outside, a rare flat and fully fenced backyard creates space to gather, garden, entertain, or play. Just moments from Enatai Beach Park, Mercer Slough trails, Enatai Elementary, downtown Bellevue, parks, tennis courts, and light rail. A home with heart in one of Bellevue’s most beloved neighborhoods. Rarely do homes feel this genuine today.

11059 SE 31st Street, Bellevue

Listing courtesy of Real Residential.

$899,000
3 Beds ⋅ 3 Baths ⋅ 2566122 MLS ⋅ ACTIVE Status
This one-owner custom cedar home sits on a stunning 2.44 acres with breathtaking mountain, foothill and pastoral views. The 3-bedroom, 2.5-bath home features a soaring great room with a prow window, woodstove, and built-in entertainment center, open to the dining area with French doors leading to the park-like grounds with lawn and majestic trees. The kitchen offers ample space and a pantry, and the laundry room comes complete with a washer and dryer. The main-level primary bedroom has a walk-in closet, full bathroom, and French doors to the backyard. Two additional good-sized bedrooms on the main level. Upstairs an open loft overlooking the great room provides more views and makes a perfect home office or family room. A heat pump system provides central AC for warm days, while a generator ensures comfort during power outages. The 24x52 detached carport, 14 feet high, includes bird blocking, a 90-amp RV service with water, dump, and cable, plus two 200-amp service panels with separate meters. Two utility buildings and loads of additional parking area for all your needs. City water and private septic serve the property. This wonderful home is just minutes from downtown Enumclaw, schools, and easy commuter routes, making it a prime location. This is the one you have been waiting for!

24117 SE 440th Street, Enumclaw

Listing courtesy of Person Real Estate Group LLC.

$529,000
3 Beds ⋅ 1 Baths ⋅ 2560660 MLS ⋅ ACTIVE Status
Well maintained 3-bed, 1-bath rambler in Kent's highly desirable East Hill neighborhood. Home offers hardwood floors, double pane-windows, a functional kitchen, and a peace of mind with a newer high-efficiency furnace and A/C system installed in 2022. Enjoy the versatile double car garage with front to back access adding additional parking in the rear. Step outside to a spacious, level backyard, perfect for entertaining, gardening, and outdoor activities. Prime location near Sound Transit, Kent Station with it's variety of restaurants and cinema, Kent Commons CC for year-round recreation, and easy access to the ShoWare Center, a multi-purpose arena hosting concerts, family shows, and sporting events, home to Seattle Thunderbirds and Tacoma Stars.

10609 SE 232nd Street, Kent

Listing courtesy of John L. Scott, Inc.

$1,100,000
4 Beds ⋅ 3 Baths ⋅ 2565821 MLS ⋅ ACTIVE Status
Welcome to Cedars of Duvall, nestled on 1/3 acre, this beautifully refreshed home offers the perfect blend of modern updates, timeless charm & the lifestyle that makes Duvall one of the PNW's most beloved small towns. A sweeping front lawn, expansive deck & fenced backyard create an inviting setting for outdoor gatherings, gardening, play or simply relaxing beneath the evergreens. Inside, you'll discover spacious living areas in a home that lives far larger than its square footage suggests! Fresh interior paint, new carpet, gorgeous LVP flooring, updated lighting, remodeled baths, granite countertops, subway tile, freshly painted cabinetry, custom pantry, butler pantry w/ beverage refrigerator create a move-in-ready interior. Charming casement windows add warmth & character while filling the home with natural light. The thoughtfully designed floor plan offers 4 generously sized bedrooms, 2.5 baths, including a spacious primary suite with cathedral ceilings & private bath. The open kitchen & family room overlook the picturesque backyard & are anchored by a cozy wood-burning fireplace, while the attached 2-car garage provides everyday convenience. Minutes from historic downtown Duvall's cafés, farmers market, parks & river access, with easy commuting to Redmond, Bellevue & the Eastside & quick access to Woodinville , Snoqualmie Valley Trail, mountain recreation, Puget Sound adventures & endless Pacific Northwest outdoor living—all from one exceptional place to call home!

28308 NE 146th Street, Duvall

Listing courtesy of RE/MAX Northwest.

$449,950
3 Beds ⋅ 3 Baths ⋅ 2566345 MLS ⋅ ACTIVE Status
Affordable new construction in King County offering an excellent opportunity for first-time buyers seeking entry-level homeownership. Welcome to the Yarrow at Ten Trails Mountain View, a Lennar community. Live at Ten Trails to enjoy an active lifestyle with trails and parks, plus future conveniences like dining, shopping, and entertainment close to home. This three-story townhome features a convenient first-floor flex room, while upstairs is an open-concept design among the main living areas. The third floor hosts the luxe owner’s suite and a two secondary bedrooms. Enjoy added privacy with no neighbors directly behind the townhome, offering a more peaceful and secluded setting. With Lennar’s signature Everything’s Included®, enjoy new stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

32401 Anchor Avenue SE, Black Diamond

Listing courtesy of Lennar Sales Corp..

$399,995
2 Beds ⋅ 2 Baths ⋅ 2566157 MLS ⋅ ACTIVE Status
Neatly tucked away at the end of a quiet North Beacon Hill street, this end-unit townhome surprises you the moment you step inside. Windows on the open side fill the home with natural light, and a wide, unobstructed outlook across the I-90 corridor delivers space you rarely find in townhome living. The smart open layout and 2-car tunnel garage make it live far larger than expected. On the main level: brand-new 2026 kitchen appliances (aside from the stove), a spacious dining area, and bar seating. Tile flooring in the entry and kitchen, a gas fireplace in the living room, and a walk-in pantry add storage most townhomes only dream of. Upstairs, both bedrooms feel open and airy under high ceilings; the primary suite offers double closets and blinds, and upstairs laundry (washer and dryer new in 2021) keeps routines simple. The BIG work is Done: new roof & exterior paint in 2024, brand-new 2026 furnace and water heater, freshly cleaned ducts, new carpet, fresh paint, and an ADT alarm. The dishwasher, while not new, was just professionally serviced. Off the kitchen's sliding doors, a landing-style side deck by the front door is an easy spot for morning coffee. Minutes to Jefferson Park, the Chinatown-International District, downtown Seattle, the stadiums, and light rail, with a straight shot across I-90 to Bellevue. HOA dues include water, sewer, trash, and building insurance. Homes with this blend of privacy, updates, and location don't linger. Come see why it feels like home!

1551 Cherrylane Avenue S Unit #1551, Seattle

Listing courtesy of eXp Realty.

$749,000
3 Beds ⋅ 2 Baths ⋅ 2565032 MLS ⋅ ACTIVE Status
New price!!! Location is everything! Rare opportunity to own a beautifully updated townhouse in the highly desirable Lake Park Townhomes at Klahanie. Enjoy the oversized fully fenced yard, with a brand new spacious Trex deck. This is only 1 of 2 homes within this community with a large yard, perfect for gardening, pets and entertaining. A covered freshly painted porch welcomes you home. Main floor includes living, dining with easy access to brand new Trex decking and additional storage closet. Upstairs includes 3 bedrooms, full bath, and laundry. Attached garage with mud room & storage. Recent updates include new roof, new Trex deck, fresh interior paint, remodeled kitchen, new lighting fixtures throughout, a versatile dining room cabinet, LVP flooring throughout, new water heater and more. Enjoy the exceptional Klahanie lifestyle with nearby amenities including the scenic Yellow Lake Trail, community pools, sports courts and parks. Award winning Issaquah Schools District! Convenient proximity to I-90, Issaquah Costco, shopping and dining. A wonderful opportunity to enjoy the best of the Klahanie lifestyle! This is a perfect starter home or downsizing in an excellent location! Pre-inspected and move-in ready! This is not a condo. It's a single family townhome with low HOA dues. You own the land and the structure.

4180 244th Place SE, Sammamish

Listing courtesy of COMPASS.

$1,550,000
4 Beds ⋅ 3 Baths ⋅ 2565003 MLS ⋅ ACTIVE Status
Highly desirable contemporary split-level home featuring a thoughtful, functional layout with sleek, modern finishes throughout. The main level showcases an open-concept design centered around an oversized waterfall island, complemented by a separate dining area with direct patio access for effortless indoor-outdoor entertaining. Enjoy two distinct living spaces, one on the main level and another on the lower level, offering flexibility for entertaining, relaxing, or creating the perfect media room, playroom, or home office. Upstairs, you’ll find three bedrooms, including the primary suite, while the lower level features a versatile fourth bedroom and a convenient powder room, ideal for guests or a private workspace. Clean architectural lines, expansive windows, and abundant natural light create a seamless blend of sophistication and comfort, offering a refined modern aesthetic throughout. Ideally located in one of Kirkland’s most sought-after neighborhoods, you’ll enjoy convenient access to top-rated schools, parks, shopping, dining, and major Eastside employers, all while being just minutes from downtown Kirkland, Bellevue, and Redmond.

10703 126th Avenue NE, Kirkland

Listing courtesy of Skyline Properties, Inc..

$449,950
2 Beds ⋅ 1 Baths ⋅ 2563659 MLS ⋅ ACTIVE Status
Set on an oversized, fully fenced ¼-acre lot, this thoughtfully updated 1914 Enumclaw home offers a rare blend of historic character and modern improvements. Thoughtful updates through the years - including a finished attic, plumbing, electrical, windows, flooring, interior and exterior paint, and a newer roof - provide peace of mind while preserving the warmth and craftsmanship that make older homes so special. The oversized lot is becoming increasingly difficult to find, offering endless opportunities for gardening, entertaining, recreation, RV or boat parking, and everyday enjoyment. Addition plans to expand the home will be included with the sale, providing an exciting opportunity to enhance the home's footprint while preserving its original charm. Conveniently located near downtown Enumclaw's shopping, dining, and everyday amenities, with easy access to year-round outdoor recreation, this is a rare opportunity to own a property where character, space, and future potential come together.

1702 Griffin Avenue, Enumclaw

Listing courtesy of John L. Scott, Inc.

$399,999
1 Beds ⋅ 1 Baths ⋅ 2566046 MLS ⋅ ACTIVE Status
Refreshed top-floor corner condo, with a garage in the heart of Fremont! Set within the intimate 7-unit Dayton View Condominiums, this cozy home offers a comfortable, easy-living layout with the added privacy of a corner location and no neighbors above. The interior has been thoughtfully refreshed with new flooring, fresh paint, and updated countertops, creating a clean, move-in-ready space with a light and welcoming feel. The practical floor plan makes great use of the space and provides an easy transition from everyday living to entertaining. A standout feature is the building’s attached garage, allowing you to drive in and access the building without having to walk outside—an especially convenient feature during rainy months. The building also offers controlled access for added peace of mind. A storage unit in the building is also included. Located in highly walkable Fremont, you’ll have restaurants, neighborhood shops, groceries, and public transportation close at hand. Green Lake and other popular Seattle amenities are just minutes away, making it easy to enjoy everything the surrounding neighborhoods have to offer.Top floor. Corner unit. Boutique 7-unit building. Attached garage. Refreshed interior. A comfortable Fremont home in a location that makes everyday life easy. Come and see it today.

506 N 45th Street Unit #302, Seattle

Listing courtesy of FIRST AND MAIN.

$995,000
3 Beds ⋅ 3 Baths ⋅ 2562832 MLS ⋅ ACTIVE Status
Tucked away on a quiet, secluded street minutes from the West Seattle Junction, this home pairs everyday comfort with meaningful updates throughout. The brand new kitchen highlights the main level with a farmhouse sink, quartz counters, shaker cabinets, and an induction range flowing into a dining and living space warmed by a wood-burning stove insert. The primary suite offers a private en suite bath, and a second en suite/guest bath adds flexibility for visitors. Downstairs features a bedroom, living area and 3/4 bath for a private retreat or guest space. New furnace and heat pump installed keep the home comfortable year-round, complemented by automatic blinds on the main floor and an EV charger in the 2-car garage. The backyard has a new fence, PVC deck and is wired and ready for your new hot tub - a perfect urban oasis! All this just minutes from Ercolini Park, Genesee Elementary, Schmitz Preserve Park, and Alki Beach. West Seattle living at its best!

4540 51st Avenue SW, Seattle

Listing courtesy of Designed Realty.

$798,000
3 Beds ⋅ 3 Baths ⋅ 2566065 MLS ⋅ ACTIVE Status
Rare opportunity to own a beautifully updated home in the desirable Stendall Place community. This move-in-ready 3-bedroom, 2.25-bath home combines comfort, style, and modern updates throughout. Windows filled natural light & quality craftsmanship. The kitchen opens to a comfortable flex room with a gas fireplace and peaceful garden views, making it the perfect place to relax. The main level also includes updated flooring, stylish trim, newer interior doors, custom window casings, an updated powder room, and a convenient laundry and storage area. Upstairs, the spacious primary suite with custom California Closets offers a private retreat. Two additional large bedrooms with California Closet and a beautifully updated ¾ bath provide plenty of room for guests or a home office. This home is located in a friendly, well-maintained community known for its welcoming atmosphere and pride of ownership. Residents enjoy landscaped common areas, pickleball courts, and easy access to parks, shopping, dining, and light rail. Additional features include an attached two-car garage, extra driveway parking, and a strong walls-out HOA that covers exterior maintenance and building insurance. The community is known for its well-kept grounds and excellent amenities. Carefully maintained and thoughtfully updated, this exceptional Stendall Place home offers the perfect combination of comfort, convenience, and community. Turnkey living at its finest

11911 Stendall Drive N Unit #21, Seattle

Listing courtesy of Windermere Real Estate Midtown.

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