Kitsap County Homes with Assumable Terms

Kitsap County 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 County Homes with Assumable Terms

1685 NE Halden Glen Drive, Poulsbo
$734,000
5 Beds ⋅ 3 Baths ⋅ 2591775 MLS ⋅ ACTIVE Status
Ask about assumable VA loan at 4.99%!! Built in 2023 this new Calavista home showcases one of the community's most desirable floor plans. Where modern comfort meets the charm of Poulsbo w/ Peekaboo mountain views—the beloved "Little Norway" of the Pacific Northwest. This beautifully designed 5-bedroom home offers the perfect balance of space, style, & everyday functionality. 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, and custom features. 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 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 room complete the second level. Outside, enjoy a private patio overlooking a tranquil greenbelt, low maintenance back yard and a fully fenced—ideal for summer BBQs, entertaining, or simply relaxing after a long day. 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 Broker: Paramount Real Estate Group; Angelyna Welch; 360-710-6334; hello@livingpnwrealestate.com

6453 Hornet Circle NE, Bremerton
$475,000
3 Beds ⋅ 3 Baths ⋅ 2589964 MLS ⋅ ACTIVE Status
Welcome home to this move-in-ready 3-bedroom, 2.5-bath townhome with a 2-car garage! The open-concept main level features extended laminate flooring and a spacious kitchen with stainless steel appliances, pantry, large eating island, and separate dining area. A slider opens to the backyard, making it easy to enjoy indoor-outdoor living. Upstairs, the spacious primary suite features a private bath with double sinks and a large walk-in closet. Two additional bedrooms, a full bath, loft, and conveniently located upstairs laundry complete the second floor. Enjoy community amenities including a dog park, gazebo, and walking trails. Great opportunity for eligible buyers with a VA assumable loan at an incredible 2.25% interest rate! Move right in and make it yours, welcome home!

6453 Hornet Circle NE, Bremerton

Listing Broker: Keller Williams Greater 360; Carly McGraw; 360-731-7599; carly@carlymcgrawteam.com

1414 NE Rygg Court, Poulsbo
$565,000
3 Beds ⋅ 2 Baths ⋅ 2589765 MLS ⋅ ACTIVE Status
Welcome to this inviting Poulsbo home tucked away on a private cul-de-sac. Floor-to-ceiling windows fill the living room with natural light, complemented by fresh interior paint, warm vinyl flooring, and a cozy wood-burning Lopi stove. The open kitchen and dining area overlook the living room, creating an easy flow for everyday living and entertaining. The spacious primary suite features a large tiled shower, dual vanities, and a generous closet. The lower level offers a large family room, two additional bedrooms, a full bath, and separate laundry. The front yard features an original apple tree dating back to when the land was part of an orchard. The home also has a two-car garage and additional RV parking with an electrical hookup. Walking distance to schools, parks, and playgrounds, this home offers space, comfort, and a peaceful setting in a convenient Poulsbo location. There is an assumable VA note the rate is 2.25% total balance $267,000

1414 NE Rygg Court, Poulsbo

Listing Broker: Charter Real Estate; Gabrielle Ritter; 206-866-8136; gabrielle@charterrealestate.com

2072 Sidney Avenue, Port Orchard
$549,950
5 Beds ⋅ 3 Baths ⋅ 2591290 MLS ⋅ ACTIVE Status
Welcome home to this expansive 5-bedroom, 3-bathroom home situated on a massive lot in a highly sought-after Port Orchard location. Perfect for outdoor enthusiasts and homesteaders alike, this property boasts a huge, dedicated garden area and mature fruit trees, offering a private backyard oasis right in town. The main level welcomes you with spacious living areas and a large, functional kitchen equipped with premium pull-out drawer cabinetry and a dedicated pantry. Unwind in the inviting living room centered around a cozy gas fireplace, or step outside onto a massive, low-maintenance Trex deck—the perfect spot to relax and overlook your impressive garden and fruit-bearing trees. The main floor also features spacious bedrooms, including a primary suite with a private en-suite bathroom. The fully finished lower level serves as an ideal setup for multi-generational living, guests, or entertainment. It features a second large family room, a versatile bonus room, a built-in wet bar, additional bedrooms, a private office space, and a dedicated laundry room equipped with an efficient, on-demand tankless hot water system. Storage is never an issue with deep closets throughout, and the exterior includes dedicated RV parking with 220-volt power and plenty of room for vehicles and outdoor gear. Don't miss this rare opportunity to own a spacious, turn-key home with an incredible outdoor footprint!

2072 Sidney Avenue, Port Orchard

Listing Broker: Better Properties Gig Harbor; Nathan Sharp; 360-277-1995; nathan@firefightingbroker.com

3346 SW Mooring Lane, Port Orchard
$688,777
4 Beds ⋅ 3 Baths ⋅ 2585686 MLS ⋅ ACTIVE Status
An exceptional opportunity: this property includes an assumable FHA loan at a highly favorable 5.25% interest rate (buyer to verify eligibility). Late light finds the patio first, spilling across a fully fenced yard while the kitchen behind it warms toward dinner. Built in 2025, this 2,833 square foot two-story home in Port Orchard's McCormick Village community holds four bedrooms, 2.75 baths, and the easy calm of a house that still feels new. A home office for focused mornings. A living room gathered around the fireplace. An open dining room that flows into a kitchen of quartz and stainless, with an eating space, a walk-in pantry deep enough for a full grocery run, and room for everyone to lean in and talk. A three-quarter bath on the main keeps guests comfortable. Upstairs, a bonus room gives the evening a second place to land, movie nights, a reading corner. The primary suite settles in at the end of the day with its own bath and a walk-in closet, joined by three more bedrooms, a full bath, and a laundry room. Mornings arrive softly up here, pale light through double-pane windows and ceiling fans turning slow. Vinyl plank floors, an interior fire sprinkler system adds peace of mind, and cement plank siding keeps the exterior crisp through every Kitsap winter. Outside, the level lot and patio open to territorial views, sidewalks line the paved street, and an attached 2-car garage handles the gear. High-speed internet is in place, and Highway 16 is minutes away.

3346 SW Mooring Lane, Port Orchard

Listing Broker: Paramount Real Estate Group; James J Bergstrom; 360-286-5098; jamesber777@gmail.com

29629 NE Gamble Place, Kingston
$678,000
2 Beds ⋅ 1 Baths ⋅ 2587469 MLS ⋅ ACTIVE Status
Enjoy 90 feet of waterfront on beautiful Gamble Bay! This charming .4-acre property offers the perfect opportunity to relax, unwind, and enjoy life on the water, with plenty of space to store your kayak and soak in the stunning bay views and sunsets. The main home features a functional open-concept design, cozy fireplace, and breathtaking water views. A spacious deck connects the main home to the separate casita, creating an inviting space to entertain, relax, and take in the ever-changing scenery of the bay. The casita adds incredible versatility and includes a 3/4 bath—perfect for guests, a private studio, home office, multi-generational living or creative space. Together, the main home and casita offer approximately 1,495 square feet of living space. Whether you're looking for a peaceful weekend retreat, a waterfront home, or your own little escape, this property offers the perfect combination of water, views, and privacy. Come enjoy beautiful Gamble Bay and make this waterfront getaway your own!

29629 NE Gamble Place, Kingston

Listing Broker: John L. Scott, Inc.; Marie Johnatakis; 425-999-6987; MarieJ@johnlscott.com

3000 Ruby Court SE, Port Orchard
$474,000
3 Beds ⋅ 2 Baths ⋅ 2571107 MLS ⋅ ACTIVE Status
ASSUMABLE VA LOAN! Single-story NW Contemporary home located on Ruby Court in Port Orchard and move-in ready. This light filled Rambler features both an open central great/living room concept with additional family room off the kitchen. The home offers 3 bedrooms, 2 full baths, fireplace, updated kitchen with stainless steel appliances, and utility room. Additional storage space available in kitchen, hallway, and utility room. Sliders between kitchen and family room offer extra walk-out entertainment space to a spacious full length outdoor patio which includes a nice privacy fence. Ideal for BBQ's, gathering, pets, or simply enjoying the outdoors. Primary bedroom has full en-suite bath. The other 2 bedrooms share a hall full bath. Oversized corner lot offers additional parking for RV, boats, and vehicles. Garage is finished, heated, and includes extra storage space for recreational toys. Garage can be easily walled off for an additional bonus/flex room. Property also includes metal shed to store yard and garden tools. Great location with easy access to shopping, restaurants, schools, downtown Port Orchard, Hwy 16, transit, and Port Orchard/Bremerton foot ferry. Walking distance to South Kitsap Regional Park Athletic Fields - features 3 ballfields (baseball/softball/soccer), hiking trails, playground, skate park, and picnic area. This Port Orchard gem delivers exceptional value and lifestyle. Perfect home for those seeking location, privacy, and convenience!

3000 Ruby Court SE, Port Orchard

Listing Broker: Every Door Real Estate; Neil Swanson; 360-271-8544; neils@everydoorrealestate.com

2466 NE Athlon Court, Poulsbo
$758,100
4 Beds ⋅ 3 Baths ⋅ 2588105 MLS ⋅ ACTIVE Status
Seller is offering $8,000 credit towards rate buy-down/closing costs. Welcome to this East-facing, 2,893 sqft home, featuring 4 Bed, 2.75 Bath + Office/Den + Loft Space. Built in 2021, this home is located in the highly desirable Poulsbo Meadows community—where modern design meets everyday functionality. This home offers a versatile floor plan, including a first-floor main level bedroom and full bath—perfect for guests, multigenerational living, or flexible use. The main floor also features a dedicated office/den, ideal for remote work or creative space. Enjoy an open-concept layout, walk-in kitchen pantry, abundant natural light, and seamless flow from the living, dining, and kitchen areas. Step outside to a fully fenced backyard designed for relaxation, shaded for most of the day. The covered back patio includes a convenient gas hookup for BBQs, making outdoor entertaining effortless year-round. Additional highlights include a 2-car garage with EV charging hookup, energy-efficient systems, and newer construction peace of mind. Located just minutes from downtown Poulsbo, shopping, dining, schools, and easy access to ferries and bases, this home blends comfort, convenience, and lifestyle. Modern living, smart upgrades, and a prime location—house sits just across from the neighborhood park and playground, visible from the office/den window. This Poulsbo Meadows gem and its friendly neighbors are ready to welcome you home.

2466 NE Athlon Court, Poulsbo

Listing Broker: Realty ONE Group Orca Gold; Deanna Powell; 425-777-6998; team@IntrepidHomeTeam.com

22100 Jameson Avenue NW, Poulsbo
$874,990
4 Beds ⋅ 4 Baths ⋅ 2588128 MLS ⋅ ACTIVE Status
Poulsbo living at its best! This beautiful 4-bedroom home combines style, space and exceptional flexibility with a rare main-level ADU/multi-generational suite featuring its own private entrance, bedroom, 3/4 bath, kitchenette and private laundry—ideal for extended living, guests, work-from-home needs or simply creating added privacy under one roof. The main residence welcomes you with 9' ceilings, a spacious great room with gas fireplace and a gorgeous island kitchen featuring quartz countertops, generous cabinetry, pantry, tile backsplash, gas cooktop and built-in convection oven and microwave. Upstairs, enjoy a large bonus room, three additional bedrooms, separate laundry and a relaxing primary suite with soaking tub, tiled shower and dual sinks. Set on a .23-acre corner lot with a fully fenced yard, patio, sprinkler system and wooded/open-space surroundings, the property offers a wonderful sense of privacy while still enjoying the desirable Poulsbo lifestyle. Central A/C, heat pump, attached 2-car garage and energy-efficient features complete the package. Desirable Poulsbo location. Flexible floorplan. Beautiful finishes. A home designed to live beautifully today and grow with you for years to come.

22100 Jameson Avenue NW, Poulsbo

Listing Broker: Paramount Real Estate Group; Janet Lovett; 360-265-6656; janetlovetthomes@gmail.com

2369 Winfield Avenue, Bremerton
$469,900
2 Beds ⋅ 2 Baths ⋅ 2588035 MLS ⋅ ACTIVE Status
2.25% interest rate for eligible VA Buyers to assume the loan on this charming home in Manette! Sitting on a private quarter-acre lot, this home welcomes you with a spacious living room, beautiful oak hardwood floors, and abundant natural light. Galley-style kitchen features white shaker cabinetry and stainless appliances, with the dining room just off the kitchen and classic wood shutters adding a timeless touch. Main floor bedroom and full bath, with a second bedroom, 3/4 bath, and utility room with washer and dryer upstairs. Fully fenced backyard provides a private space to enjoy the outdoors, plus a large shed/shop for storage, hobbies, or workspace. Super convenient location with an easy drive to PSNS, shopping, dining, parks.

2369 Winfield Avenue, Bremerton

Listing Broker: Keller Williams Greater 360; Lindsay Martin; 757-618-3835; lindsay@lindsaymartingroup.com

4699 Rutherford Circle SW, Port Orchard
$749,000
5 Beds ⋅ 3 Baths ⋅ 2576562 MLS ⋅ ACTIVE Status
Welcome to this exceptional 3026 sq ft, 5 bedroom, 2.5 bath home nestled in a beautiful community near McCormick Woods Golf Course. From the moment you enter, the grand two-story foyer makes a striking impression, featuring a sweeping staircase with elegant iron railings and beautiful maple flooring. On the main floor, you will find a main level bedroom, ideal for guests, an office,or generational living. The living room and dining lead into the spacious gourmet kitchen, featuring granite counter tops, new refrigerator and dishwasher, plenty of room for entertaining with a breakfast area and large famiy room. Upstairs, through the french doors, the primary suite offers a sitting room and a private patio. There are three more large bedrooms upstairs and many closets for storage. Comfort and convenience are enhanced by central AC, a smart thermostat, exterior Wyze lighting, ADT on all windows and doors. Step outside to .25 acres and discover over $80,000.00 in professionally enhanced Japanese inspired landscaping, featuring fountains, decorative rock, plants, trees creating a tranquil setting under the covered deck. Ask about assuming the existing 2.25% VA Loan, subject to lender and eligibility requirements.

4699 Rutherford Circle SW, Port Orchard

Listing Broker: John L. Scott, Inc.; Donna Evans; 360-271-7762; donnaevans@johnlscott.com

10091 Ramble Dr, Bremerton
$649,000
3 Beds ⋅ 3 Baths ⋅ 2586338 MLS ⋅ ACTIVE Status
This almost new home is ideally located just 6 minutes from St. Michael Medical Center and less than 20 minutes from Bangor Base, PSNS, and the Seattle/Bremerton ferry. Thoughtfully upgraded beyond builder standards, this beautifully designed home features a spacious open-concept layout with tall ceilings and modern finishes throughout. The main level offers a bright great room, inviting dining area, and a gourmet kitchen complete with a large center island and walk-in pantry. Upstairs you'll find 3 comfortable bedrooms PLUS BONUS ROOM, perfect for a home office or playroom. The primary bedroom features a well-appointed bath and oversized walk-in closet. Primary suite and downstairs bathroom have been upgraded with bidets for added comfort and convenience. Finished garage features EV charger and installed overhead storage. Step outside to a fully fenced backyard with an oversized patio, ready for summer BBQs and outdoor entertaining. Located within a highly desirable school district, this move-in-ready home combines modern style, thoughtful upgrades, and an unbeatable location. VA Assumable Loan at 5% interest with about $630k balance.

10091 Ramble Dr, Bremerton

Listing Broker: Paramount Real Estate Group; Hillary Tutterrow; 360-271-5426; hillarysellskitsap@gmail.com

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