Kitsap Homes with FHA Terms

Kitsap Homes with FHA Terms

Kitsap County, located in the state of Washington, is a beautiful region that offers a variety of attractions and amenities for residents and visitors alike. Situated in the northwestern part of the United States, Kitsap County is known for its stunning natural landscapes, vibrant communities, and strong economy.

Homebuyers in Kitsap County have the opportunity to take advantage of FHA terms when purchasing a property. FHA, or the Federal Housing Administration, provides mortgage insurance on loans made by approved lenders. This means that homebuyers can secure a loan with a lower down payment and more lenient credit requirements.

With FHA terms, Kitsap County residents have access to affordable housing options and the opportunity to achieve their homeownership dreams. Whether you're a first-time homebuyer or looking to upgrade to a larger property, FHA terms can make the home buying process more accessible and affordable.

In Kitsap County, you'll find a range of housing options to suit different preferences and budgets. From cozy single-family homes in picturesque neighborhoods to modern condos in bustling urban areas, there's something for everyone in Kitsap County.

If you're considering purchasing a home in Kitsap County, exploring the FHA terms available can be a great way to make your dream of homeownership a reality. With its natural beauty, strong communities, and FHA options, Kitsap County is a fantastic place to call home.

Newest Kitsap Homes with FHA Terms

$450,000
4 Beds ⋅ 2 Baths ⋅ 2567834 MLS ⋅ ACTIVE Status
Tucked away in a private, secluded setting, this beautifully designed home is an entertainer's dream! The open-concept layout flows effortlessly, anchored by a stunning kitchen featuring a huge island, walk-in pantry, stainless steel appliances, and brand-new luxury vinyl plank flooring throughout. The thoughtful split-bedroom floorplan offers a spacious primary suite with a private en-suite bath and generous walk-in closet, while additional bedrooms provide comfortable, versatile space for family or guests. Enjoy both a front and back deck—perfect for morning coffee or evening gatherings—set on a great usable lot with room to roam. Peaceful, private, and move-in ready!

3013 NW Four Wheel Drive, Seabeck

Listing courtesy of Integris Real Estate.

$585,000
3 Beds ⋅ 3 Baths ⋅ 2567716 MLS ⋅ ACTIVE Status
Beautifully updated and privately situated on over half an acre, this inviting home offers the space, flexibility & outdoor living you’ve been looking for! A thoughtfully designed floor plan features multiple gathering spaces including a spacious front living room with electric fireplace, separate family room, dedicated dining area & private office/den. The kitchen is designed for everyday functionality with a stainless steel gas range, abundant cabinetry & step-in pantry, while fresh paint, new carpet & wood-look flooring create a warm, move-in ready feel throughout. Retreat to the spacious primary suite featuring a large walk-in closet & private bath with a jetted soaking tub designed to keep the water warm while you unwind. Comfort & peace of mind continue with a ductless mini split, 3-year-old water heater, approximately 4-year-old roof & durable HardiePlank-style siding. Outside, the expansive fully fenced yard offers room to play, garden, entertain or simply enjoy the privacy. A wraparound Trex deck with hot tub & privacy screen creates the perfect outdoor gathering space, while 2 storage sheds, abundant parking, RV parking & an oversized garage provide plenty of room for vehicles, projects, storage & all the PNW toys. Private, spacious & conveniently located, this one checks all the boxes!

12568 Spohn Road NE, Poulsbo

Listing courtesy of Crafted Real Estate.

$748,800
4 Beds ⋅ 3 Baths ⋅ 2565660 MLS ⋅ ACTIVE Status
Welcome home to this exceptional 4-bedroom residence on a quiet cul-de-sac in Poulsbo's desirable Knutson Place community. Built in 2003, the interior shines with beautiful hardwood floors and bright, open spaces. Host gatherings in the elegant formal dining room, detailed with classic wainscoting and a dramatic tray ceiling. The inviting living area anchors the home, centered around a cozy fireplace flanked by custom built-ins. Prepare meals in the chef's kitchen, featuring a breakfast bar, expansive windows to the backyard, gas range and an impressive wall of cabinets maximizing storage and style. Upstairs, the primary suite provides a peaceful sanctuary with a walk-in closet and private bath, while three additional bedrooms offer total versatility. Step outside into your private, lush backyard oasis—a fully fenced retreat complete with a covered patio perfect for year-round outdoor dining and relaxation amidst mature greenery. Location is paramount: walk or drive to Poulsbo Elementary and North Kitsap High, or explore historic downtown Poulsbo's charming waterfront, local boutiques, and artisan bakeries. Commuting is seamless, offering easy access to the Bainbridge and Kingston ferries, as well as local military installations including Naval Base Kitsap Bangor, Naval Base Kitsap Bremerton, and NUWC Keyport. This PNW gem truly has it all! Tell your broker you want to see it today!

2297 NE Thistle Court, Poulsbo

Listing courtesy of Keller Williams West Sound.

$683,490
5 Beds ⋅ 3 Baths ⋅ 2567560 MLS ⋅ ACTIVE Status
Move-In Now & Find your peaceful PNW retreat at McCormick Trails, where miles of golf-cart-friendly paths & trails + open space meet easy access to PSNS, Naval Base Kitsap, the Seattle fast ferry & an 18-hole championship golf course. This 2741 sq. ft. Asher, a 2 story smart home has 5 bedrooms, 3 baths + Bonus Room with double doors + 3 Car Garage. The home features a main floor bedroom & bath w/a quartz topped vanity & walk-in shower. The great room boasts a GAS fireplace & opens to dining space & a large well-appointed gourmet chef's island kitchen, boasting a desk w/upper cabinetry, ideal as a buffet or homework station, a corner walk-in pantry, 42” soft-close dovetail cabinetry w/ample drawer space, a gas cooktop w/hood, built-in convection wall oven w/air fry & micro, and quartz counters. Upstairs, the bonus room & 3 bedrooms share a full bath. The primary w/en-suite bath offers a quartz topped dual sink vanity, separate tub & tiled walk-in shower, and walk-in closet. Covered Patio, landscaping, A/C, 9’ ceilings, 8’ entry & garage door, hot water recirculation, CAT-6 wiring (4 high speed FIBER internet) & R-60 insulation included. Walk 2 parks, playgrounds, pickleball, tennis & basketball courts, splash pad, off-leash dog parks & future retail/restaurants. Ready For Move-In! Brokers 2 register buyers before or at first visit.

4143 Rustler Street SW, Port Orchard

Listing courtesy of BMC Realty Advisors Inc.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2567413 MLS ⋅ ACTIVE Status
Beautifully landscaped and private nearly-acre property with easy access to the ferries! This nicely updated 1,892 sq ft tri-level home offers comfortable living and plenty of room to enjoy the country lifestyle. The 3-bedroom home has been thoughtfully refreshed with newer flooring, counter-tops, interior paint, lighting, appliances, doors, and fixtures. The lower level offers excellent flexibility & could make a wonderful primary suite with an existing ¾ bath. Private well with newer UV water treatment system and 3-bedroom septic. Relax in the peaceful sun-room just off the kitchen—perfect for morning coffee, reading, or unwinding at the end of the day. Outside, enjoy mature landscaping, apple trees, garden space, RV parking, EV charging and plenty of room to roam. Oversized garage provides room for a lawn tractor and storage, while the huge detached shed has been transformed into an incredible exercise sanctuary, personal retreat, or storage space. Two chicken coops—one large and one small—add to the charm of this unique property. A wonderful blend of privacy, updates, space, and country living, all within convenient reach of the ferries!

5696 E Collins Road, Port Orchard

Listing courtesy of eXp Realty.

$405,000
2567429 MLS ⋅ ACTIVE Status
Opportunity to own a home with an ADU on one parcel. The main home offers 1 bedroom plus a versatile bonus room, a full bathroom, laminate flooring throughout and an updated kitchen and bath, with flexible living space. A 300+/- sq. ft unfinished basement adds excellent potential for additional finished sq. footage, storage, or a future rec room. The detached studio ADU (approx. 300 sq. ft) is perfect for rental income, multi-generational living, or a private guest suite, featuring a 3/4 bath with shower, fridge, and stove/oven, plus its own deck for outdoor enjoyment. Plenty of off-street parking for both units. Don't miss this income-producing, flexible-use property!

2533 E 3rd Street, Port Orchard

Listing courtesy of Great Northwest Real Estate.

$674,990
5 Beds ⋅ 3 Baths ⋅ 2567168 MLS ⋅ ACTIVE Status
Move-In Now & Find your peaceful PNW retreat at McCormick Trails, where miles of golf-cart-friendly paths & trails + open space meet easy access to PSNS, Naval Base Kitsap, the Seattle fast ferry & an 18-hole championship golf course. This 2741 sq. ft. Asher, a 2 story smart home has 5 bedrooms, 3 baths + Bonus Room with double doors on Lot 469. The home features a main floor bedroom & bath w/a quartz topped vanity & walk-in shower. The great room boasts a GAS fireplace & opens to dining space & a large well-appointed gourmet chef's island kitchen, boasting a desk w/upper cabinetry, ideal as a buffet or homework station, a corner walk-in pantry, 42” soft-close dovetail cabinetry w/ample drawer space, a gas cooktop w/hood, built-in convection wall oven w/air fry & micro, and quartz counters. Upstairs, the bonus room & 3 bedrooms share a full bath. The primary w/en-suite bath offers a quartz topped dual sink vanity, separate tub & tiled walk-in shower, and walk-in closet. Covered Patio, landscaping, A/C, 9’ ceilings, 8’ entry & garage door, hot water recirculation, CAT-6 wiring (4 high speed FIBER internet) & R-60 insulation included. Walk 2 parks, playgrounds, pickleball, tennis & basketball courts, splash pad, off-leash dog parks & future retail/restaurants. Ready For Move-In! Brokers 2 register buyers before or at first visit.

4143 SW Rustler Street, Port Orchard

Listing courtesy of BMC Realty Advisors Inc.

$559,000
3 Beds ⋅ 3 Baths ⋅ 2564510 MLS ⋅ ACTIVE Status
The bright entry welcomes to vaulted ceilings living dining and kitchen with eating space. A separate family room offers extra space to spread out. Step onto the large deck overlooking back yard. 3 bedroom 2 1/2 bath, fresh paint, new carpet, all appliances stay. New sinks in bathroom. 2 car garage.

10932 Peony Place NW, Silverdale

Listing courtesy of John L. Scott, Inc..

$580,000
3 Beds ⋅ 3 Baths ⋅ 2566340 MLS ⋅ ACTIVE Status
Better than move-in ready! Step inside and you'll immediately notice the fresh, like-new feel with brand-new carpet that has never been walked on, freshly painted interior walls, a remodeled primary walk-in shower, and even a freshly painted and cleaned garage. Every detail has been completed so you can simply unpack and enjoy. This well-maintained home offers 3 bedrooms, 2.5 baths, and a functional floor plan featuring a vaulted entry, formal living and dining rooms, a kitchen with eating area, family room with a free-standing gas stove, utility room, and half bath on the main level. Upstairs you'll find the spacious primary suite with walk-in closet and updated bath, two additional bedrooms, a full bath, and a den/office. Situated on a level .41-acre lot, one of the largest in the neighborhood, the backyard is bordered by mature trees for added privacy. Enjoy morning coffee or summer BBQs on the Trex deck, with a storage shed for extra space. Conveniently located within walking distance to Esquire Hills Elementary in the Central Kitsap School District and just minutes to Hwy 303, Silverdale shopping, dining, and area military bases. Freshly updated, meticulously maintained, and an exceptional value!

7410 Lazy S Lane NE, Bremerton

Listing courtesy of RE/MAX Connect.

$594,000
3 Beds ⋅ 2 Baths ⋅ 2566875 MLS ⋅ ACTIVE Status
Discover the perfect blend of privacy, space, and convenience in this updated 3-bedroom, 2-bath manufactured home nestled on 2.77 acres in a wooded, serene setting. An open floor plan and abundant natural light create a comfortable inviting atmosphere, while updates—including all-new kitchen cabinetry, bathroom vanities, laundry room cabinetry, and upgraded LED lighting throughout—bring a fresh, modern feel to the home. Highlights include a spacious primary suite with ensuite bathroom, living room with vaulted ceilings, cozy wood stove, and two guest bedrooms plus guest bathroom. Outside, enjoy a tranquil, park-like retreat nestled in nature, with expansive lawns and an apple tree. The garden space, greenhouse, and RV/Boat parking add to the property’s versatility. The large detached shop is approx. 37x28 and is ideal for projects, hobbies, storage, or a home-based workshop, featuring a workbench, dedicated outlet for a welder, and wiring for a generator. Located near the charming and historic community of Poulsbo, you'll be close to waterfront destinations, nature trails, beaches, local shops, restaurants, Navy bases, and ferry access. A rare opportunity to enjoy acreage, privacy, and functionality while remaining conveniently connected to everything the Kitsap Peninsula has to offer! WELCOME HOME!

5536 NE Falcon Ridge Lane, Poulsbo

Listing courtesy of John L. Scott, Inc..

$649,000
3 Beds ⋅ 2 Baths ⋅ 2561007 MLS ⋅ ACTIVE Status
Incredible Opportunity on 2 Acres. Welcome to a truly unique property offering the perfect blend of spacious country living and minutes to downtown Poulsbo. Situated on 2.2 acres surrounded by commercial zoning, this well-maintained home is a rare find for business owners, hobbyists, or smart investors looking for future growth. Partially Finished Daylight Basement: Great bones and extra square footage waiting for your final touch—perfect for a rec room, home office, or separate living space. Enjoy the privacy and charm of your own established backyard in the city. Garden space and established fruit trees. A large detached garage and workshop perfect for mechanics, contractors, or storing heavy equipment. Plenty of room to park your motorhome, boat, or trailers with ease. Enjoy a private, tree-lined sanctuary while staying just minutes from major transit routes and local amenities. Circular driveway wraps around the property. Bring your vision and make this versatile property your home!

20509 NE State Highway 305 NE NE, Poulsbo

Listing courtesy of Paramount Real Estate Group.

$485,000
3 Beds ⋅ 2 Baths ⋅ 2566901 MLS ⋅ ACTIVE Status
Welcome home to this Central Kitsap gem! This well-maintained property offers the perfect blend of comfort, style, and convenience featuring 3 bedrooms, 2 baths, and a bright open-concept living and dining area. Enjoy prepping meals in a modern kitchen with new cabinets, new hardwood flooring and updated appliances. Outside, reap the benefits of a level, private backyard, perfect for entertaining or relaxing. In addition to a 12x 20 storage shed, this home offers an attached 2 car garage with space for a workshop, and ample parking for your RV or boat. This property is located in Brownsville, close to Central Kitsap schools, Marina, Seattle ferry, medical facilities, and major commuter routes. Whether you are a first time homebuyer or looking for more space, this home is move-in ready and waiting for it's next owner!

7619 Illahee Road NE, Bremerton

Listing courtesy of AXEN Realty.

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