Kitsap Homes with Assumable Terms

Kitsap Homes with Assumable Terms

Located in the beautiful state of Washington, Kitsap County is a hidden gem nestled in the Pacific Northwest region of the United States. With its stunning natural landscapes, vibrant communities, and a strong sense of community, Kitsap County offers a desirable living environment for residents.

One of the unique features of the real estate market in Kitsap County is the availability of homes with assumable terms. This means that when purchasing a home, the buyer has the option to assume the existing mortgage terms from the seller. This can be a great advantage for buyers as it allows them to take advantage of favorable interest rates and loan terms that may not be available in the current market.

Homes with assumable terms provide flexibility and convenience for both buyers and sellers. Buyers can avoid the hassle of applying for a new mortgage and potentially save on closing costs. Sellers, on the other hand, can attract a wider pool of potential buyers and potentially sell their homes faster.

Whether you're a first-time homebuyer, a growing family, or someone looking to relocate, Kitsap County offers a range of homes with assumable terms that can suit your needs. From cozy bungalows to spacious waterfront properties, there is something for everyone in this picturesque county.

So, if you're considering purchasing a home in Kitsap County, be sure to explore the options available with assumable terms. It's a unique opportunity that can make your dream of homeownership a reality while providing financial benefits along the way.

Newest Kitsap Homes with Assumable Terms

$745,000
3 Beds ⋅ 3 Baths ⋅ 2562545 MLS ⋅ ACTIVE Status
Nestled on a beautifully maintained property in the desirable Olalla area of Port Orchard, this charming 3-bedroom, 2.5-bath home offers the perfect blend of privacy, comfort, and convenience. The thoughtfully designed 1,684-square-foot home features warm, inviting living spaces, a cozy fireplace, a chef’s dream kitchen, abundant natural light, and a functional floor plan ideal for everyday living. The beautifully updated kitchen showcases elegant expansive countertops, while the spacious primary suite offers a luxurious retreat complete with a freestanding soaking tub, and a heated towel bar adding an extra touch of comfort. Step outside onto the back deck, the perfect place to enjoy your morning coffee, entertain guests, or unwind while taking in the peaceful surroundings. The spacious yard offers plenty of room for gardening, recreation, or simply relaxing in your own private retreat. With room to spread out while still being just minutes from Highway 16, shopping, schools, and local amenities, you'll enjoy the best of both worlds. Whether you're looking for a quiet place to call home or a property with space to enjoy the outdoors, this Port Orchard gem is ready to welcome you home.

5950 SE Mullenix Road, Port Orchard

Listing courtesy of Real Broker LLC.

$749,999
5 Beds ⋅ 3 Baths ⋅ 2562152 MLS ⋅ ACTIVE Status
Welcome home to Calavista, where modern comfort meets the charm of Poulsbo w/ Peekaboo mountain views—the beloved "Little Norway" of the Pacific Northwest. Built just 3 years ago, this beautifully designed 5-bedroom home offers the perfect balance of space, style, & everyday functionality in one of Kitsap County's most desirable communities. From the moment you step inside, you'll appreciate the open-concept design featuring quartz countertops, stainless steel appliances, soft-close cabinetry, a spacious island, & inviting living spaces made for gathering. The flexible main-floor bedroom & ¾ bath provide the perfect setup for guests, multigenerational living, or a private home office. Upstairs, retreat to the spacious primary suite, where peekaboo views of the Olympic Mountains greet you each morning. Unwind in the spa-inspired ensuite featuring a deep freestanding soaking tub positioned to take in the peaceful scenery. Three additional bedrooms, a versatile loft, & an upstairs laundry rm complete the second level. Outside, enjoy a private patio overlooking a tranquil greenbelt—ideal for summer BBQs, entertaining, or simply relaxing after a long day. The fully fenced yard offers attractive, low-maintenance landscaping, while the attached two-car garage provides plenty of room for storage and adventure gear. Just minutes from Poulsbo's waterfront, locally owned shops, restaurants, parks, marinas, & easy commuting options, this home offers the lifestyle you've been waiting for.

1685 NE Halden Glen Drive, Poulsbo

Listing courtesy of Paramount Real Estate Group.

$475,000
3 Beds ⋅ 3 Baths ⋅ 2560039 MLS ⋅ ACTIVE Status
Beautiful home on a dead-end street in Port Orchard! Comfortable, chic and convenient, offering a well-designed flowing floorplan with open concept downstairs, perfect for entertaining or just simple, everyday living. Effortless flow from the living room to the dining and kitchen, complete with a generous amount of cabinetry for storage and back sliding door for easy transition from indoor to outdoor living and entertaining! Three generous bedrooms upstairs, including the light and bright Primary Suite with convenient attached bathroom. Well-appointed laundry room upstairs. Overlook the full fenced backyard from your own private deck, or enjoy the gardens, backing up to a greenbelt for added privacy. Ideally tucked in the back of the neighborhood, with neighborhood guest parking nearby. Easy drive to Port Orchard shopping and restaurants, or simple drive to highways, making your commute a breeze! No HOA. Assumeable loan for eligible VA buyers at 4.75% rate!

2067 Caleb Place SE, Port Orchard

Listing courtesy of Keller Williams Greater 360.

$390,000
3 Beds ⋅ 2 Baths ⋅ 2559082 MLS ⋅ ACTIVE Status
Don't miss the opportunity to own this move in ready and freshly updated home! A 3 bed, 1.5 bath rambler that sits on a level 0.28-acre lot with fruit trees, garden space, back deck, and storage shed. Inside, enjoy brand-new flooring throughout, new kitchen appliances, spacious kitchen, cozy pellet fireplace, large utility room, and year round comfort with heat pump and central A/C. Excellent location in the South Kitsap School District, directly across from South Kitsap High School, with East Port Orchard Elementary and Marcus Whitman Middle School about a mile away. Commuters will love being roughly five minutes from the Port Orchard Foot Ferry, with quick connections to Bremerton, the Seattle Fast Ferry, PSNS, and Naval Base Kitsap. Historic downtown Port Orchard shops, restaurants, farmers market, and waterfront parks are minutes from your door, and the Bethel and Mile Hill corridors put groceries, coffee, and everyday services within easy reach. This home comes with a VA assumable option at 2.75%! Jump on this opening and schedule your showing today!

1648 Wolves Road, Port Orchard

Listing courtesy of Keller Williams West Sound.

$400,000
3 Beds ⋅ 2 Baths ⋅ 2549311 MLS ⋅ ACTIVE Status
Welcome to Winchester Village. This amazing community is bringing you another wonderfully appointed 3 bed 2 bath home with wide open living areas and spacious bedrooms. Enter the home and wander through the living room into the great room styled dining and family room where you can bathe in the warmth from the stove or in the natural light pouring through the coved windows of the dining room. Outside you will find that the home is wrapped in a larger than expected level and open yard ready for your gardening or landscaping dreams.

2382 Hastings Lane SE, Port Orchard

Listing courtesy of Keller Williams West Sound.

$475,000
2 Beds ⋅ 2 Baths ⋅ 2554416 MLS ⋅ ACTIVE Status
Adorable rambler in Central Kitsap! Well designed open layout where natural light abounds, this 2 bedroom, 2 bath home offers everything you need, including a fully fenced in yard, covered patio for the ideal entertaining spot, and a spacious 2 car garage. Super sweet kitchen with Stainless Steel appliances and ample storage, combining convenience and low maintenance. Open concept living and dining room with vaulted ceilings and exposed beams offers chic details that are sure to please. Ideally located in Central Kitsap School District, and a quick drive to Highway 303 make your commute to local bases or ferries a breeze. Assumption loan available for qualified VA buyers at 3.25% interest rate!

7612 Colony Court NE, Bremerton

Listing courtesy of Keller Williams Greater 360.

$409,998
2 Beds ⋅ 1 Baths ⋅ 2553873 MLS ⋅ ACTIVE Status
This distinctive split-level home is nestled on a larger corner lot in the highly sought-after Park View Terrace neighborhood of Port Orchard. The thoughtfully designed upper level offers convenient, comfortable living with an open family room, kitchen, dining area, two bedrooms, and a full bath.The expansive, fully finished lower level is incredibly versatile perfect for entertaining guests, creating a cozy library, setting up a home office or den, or transforming into a fun game/rec room. There's even the possibility to easily convert a portion of the space into a third bedroom!Energy efficiency is built in with economical individual room heaters that help keep electric bills low. Outside, you'll love the fresh appeal of the front yard with newly mulched garden beds, ready for your spring planting of vegetables, flowers, or both. The private, sunny rear deck accessible right off the dining area is ideal for BBQs, relaxing, or maintaining a kitchen herb garden.Pet parents will especially appreciate the fully fenced dog run, accessible via gate or through a convenient dog door from the single-car garage. This is a rare opportunity to own a flexible, move-in-ready home in a great location!

504 SW Marion Dr, Port Orchard

Listing courtesy of Whisper Real Estate.

$510,000
3 Beds ⋅ 3 Baths ⋅ 2552110 MLS ⋅ ACTIVE Status
3% assumable loan, YES please! This move-in ready home is in a convenient location that is close to shopping and commuter routes. Very close to all Kitsap military bases and ferry terminal is nearby with easy access to Seattle. Step inside to a bright and comfortable main level with an open layout that makes everyday living and entertaining easy. The main level flooring has been updated with a light, wide-plank floor that gives the space a fresh feel. The kitchen features a large quartz island, plenty of cabinet space, stainless steel Whirlpool appliances and opens into the dining and living areas for a nice, easy flow. The living room also features a tile surround gas fireplace that adds a cozy focal point to the space. Upstairs you will find all of the bedrooms, including the spacious primary suite with a private bath and large walk-in closet. The upstairs loft area gives you great flexible space for an office, bonus room, workout area or extra living space. The fully fenced backyard with raised garden beds, gazebo & paver patio creates an awesome outdoor space for relaxing, dining, gardening, or enjoying the yard year-round. The community also offers trails and playground. This home has so many extras including an ADT alarm system for added peace of mind. With its great location, comfortable layout, updated finishes, outdoor living space and possible FHA assumable loan at 3% subject to lender approval and buyer qualification this is definitely one you will want to see!

4758 Driftwood Street, Bremerton

Listing courtesy of RE/MAX Connect.

$725,000
4 Beds ⋅ 4 Baths ⋅ 2550888 MLS ⋅ ACTIVE Status
Welcome home! This better-than-new private greenbelt home is ready for its next owner. From the moment you walk in, the meticulous care is evident. Plantation shutters, heat pump/AC, garden space, freshly stained fencing, new shed, and a terraced side yard with steps elevate both the home and your lifestyle. Featuring just shy of 3,000 sqft, 4 beds, 3.25 baths, and natural light throughout, there is space for everyone in an extremely smart layout. The main floor is open yet distinct and is a true showstopper. Imagine mornings on the covered patio, sipping coffee while listening to the birds sing. Upstairs offers a bonus loft, 3 bedrooms, and 2 full baths, including the primary suite. The basement features tall ceilings, another bonus/living room, and an entire junior suite with its own 3/4 bath. This home is a hidden gem on a private cul-de-sac with only 11 homes. Set on the east side of Port Orchard with quick access to Southworth, Manchester, and the Port Orchard waterfront, this location delivers the best of South Kitsap living. Enjoy nearby ferry access to Seattle, waterfront dining and marina activity along Bay Street, the small-town charm of Manchester, and outdoor recreation at Banner Forest, Manchester State Park, Howe Farm Park, Long Lake Park, and South Kitsap Regional Park. With Hwy 16 and Sedgwick nearby, commuting through Gig Harbor, Tacoma, and the greater Puget Sound region is simple. Hurry! Ask about our VA assumable loan for eligible buyers at 4.99%

6479 Halyard Circle SE, Port Orchard

Listing courtesy of Keller Williams Realty PS.

$525,000
4 Beds ⋅ 3 Baths ⋅ 2550146 MLS ⋅ ACTIVE Status
Four true bedrooms. Multiple living spaces. Central A/C. This Esquire Hills two-story delivers the layout buyers keep asking for.Downstairs, multiple living and dining areas give you room to entertain, work from home, or simply spread out. The updated kitchen anchors it all — white cabinetry, granite counters, stainless appliances, and gas range. All four bedrooms live upstairs, including a primary suite with two closets and private bath with dual sinks. The laundry room is up there too — right where all the laundry happens. Out back, the fully fenced yard and deck are ready for summer BBQs and garden beds, with a neighborhood park just around the corner. Minutes to Silverdale amenities, Highway 303, Naval Base Kitsap Bangor, PSNS, Keyport, shopping, dining, and recreation, all within the Central Kitsap School District.

2988 NE Loyola Street, Bremerton

Listing courtesy of Keller Williams Greater 360.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2547592 MLS ⋅ ACTIVE Status
Rare opportunity to own a move-in ready Port Orchard rambler with an assumable VA loan at just 4.49%—a valuable advantage in today's market for qualified buyers! Located on a quiet street with easy access to WA-16, this home offers a convenient commute to Bangor Base and is just minutes from Fernwood and Bethel shopping, dining, and everyday amenities. The inviting open-concept floor plan seamlessly connects the living, dining, and kitchen areas, creating a comfortable space for entertaining and daily living. The updated kitchen and bathroom provide modern style and functionality, while all appliances stay, making this home truly move-in ready. Featuring 3 bedrooms plus a versatile flex room, you'll have space for a 4th bedroom, home office, rec room, or fitness area. Step outside to a large, fully fenced backyard with a covered patio, perfect for year-round enjoyment. There's plenty of room to garden, play, entertain, or simply relax in the peaceful surroundings. Additional highlights include RV and boat parking, NO HOA, and a well-maintained condition throughout. Combining affordable assumable financing, flexible living spaces, and a desirable location near shopping, local amenities, and waterfront recreation, this home offers exceptional value and lifestyle.

11822 Carter Avenue SW, Port Orchard

Listing courtesy of KW Mountains to Sound Realty.

$535,000
3 Beds ⋅ 3 Baths ⋅ 2538161 MLS ⋅ ACTIVE Status
Pristine 2023-built home in the highly desirable Central Kitsap School District. Offering 1,757 square feet of thoughtfully designed living space, this home features 3 spacious bedrooms, 2.5 bathrooms, and a versatile upstairs loft. The main floor boasts an open-concept layout that flows seamlessly from the living area to the beautiful kitchen with quartz counters, stainless steel appliances and island. Upstairs you’ll find the spacious primary bedroom with attached en-suite bath and walk-in closet. Plus 2 large bedrooms and full bathroom. Enjoy year-round comfort with the energy-efficient heat pump providing full central air conditioning. Complete with a 2-car attached garage, this property is nestled in a wonderful community that features maintained walking trails and a playground. Great location, just minutes to shopping, dining, schools and Navy Bases!

9516 Fairhaven Circle NE, Bremerton

Listing courtesy of Keller Williams Greater 360.

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