Kittitas County Homes with FHA Terms

Kittitas County, located in the state of Washington, is a beautiful region within the United States that offers a wide range of opportunities for homeownership. One of the attractive features of this county is the availability of homes with FHA terms, making it easier for potential buyers to secure financing and fulfill their dream of owning a home.

The Federal Housing Administration (FHA) offers loans that are insured by the government, making them more accessible for individuals with lower credit scores or limited down payment funds. This is particularly beneficial for first-time homebuyers or those who may not qualify for conventional loans.

With FHA terms available in Kittitas County, prospective buyers can benefit from lower down payment requirements, more flexible credit score criteria, and competitive interest rates. This opens up possibilities for a wider range of individuals and families to enter the real estate market and establish roots in this picturesque county.

Whether you're looking for a cozy single-family home in the charming town of Ellensburg or a spacious ranch-style property in Cle Elum, Kittitas County offers a variety of housing options to suit different preferences and budgets. From historic homes with character to modern developments with state-of-the-art amenities, there is something for everyone in this vibrant county.

If you're considering purchasing a home in Kittitas County, exploring the FHA terms available can be a great way to make your homeownership dreams a reality. With favorable financing options and the natural beauty of the area, Kittitas County is an ideal place to call home.

Newest Kittitas County Homes with FHA Terms

$449,500

2 Beds ⋅ 1 Baths ⋅ 2600866 MLS ⋅ ACTIVE Status

From the first step inside, this home evokes a feeling of relaxation and comfort. Fully reimagined bungalow in the heart of Ellensburg, an easy walk to downtown, CWU, parks, and schools. This 2-bedroom home pairs original character with a warm, modern Northwest aesthetic. Everything has been thoughtfully updated, including a new electrical panel with all-new wiring, plumbing upgrades, new double-pane windows, and engineered hardwood flooring throughout. The kitchen shines with new counters, backsplash, and appliances. The partially finished basement offers utility space and abundant extra storage. Outside, the natural wood accents, dark exterior and metal roof make a striking first impression. Enjoy the established landscaping, including a mature cherry tree, plus covered porch on both south and west sides of the house with beautifully crafted, functional, pergolas. The shop/garage with alley access includes a 30 amp RV/EV charging box and is ideal for projects, storage, toys…or the eventual ADU. Move-in ready, with the charm of 1915 and the peace of mind of a full renovation. Come see it!

303 S Sampson Street, Ellensburg

Listing Broker: John L. Scott RE Ellensburg; Jennifer Hoyt; 509-962-4004; jhoyt@johnlscott.com

353 Knotted Mane Court Unit #lot 68, Cle Elum

$974,990

3 Beds ⋅ 3 Baths ⋅ 2597861 MLS ⋅ ACTIVE Status

Experience effortless mountain living at Summit Run, a collection of beautifully crafted single-story homes at Pine Ranch. Designed for comfort and convenience, these thoughtfully planned residences offer open living spaces and seamless indoor-outdoor connections that complement the surrounding natural landscape. Pine Ranch by Risewell Homes! Cle Elum's newest master planned community in the heart of the Cascades. Enjoy a more down-to-earth way of living that cultivates deeper roots in nature and community, with an abundance of parks, playgrounds and trails and future clubhouse featuring a swimming pool and fitness center, pickleball beach volleyball court - surrounded by over 400 acres of open space! Next door to the renowned Suncadia Resort with golf courses, restaurants and winery. MARCH COMPLETION! The Crest Plan is designed for homeowners seeking elevated functionality and storage without sacrificing style. The expansive kitchen is complemented by both a walk-in pantry and Butler’s pantry, providing exceptional organization and entertaining potential. A light-filled great room and dining area open to a covered patio, while the primary suite offers a private retreat with dual walk-in closets and a luxurious bath. This well-balanced layout delivers comfort, convenience, and flexibility throughout. Minutes from historic Roslyn and downtown Cle Elum's cafes, shops, restaurant, and Sunday Roslyn Farmer's market! A world away yet only 90 minutes from downtown Seattle!

353 Knotted Mane Court Unit #lot 68, Cle Elum

Listing Broker: Risewell Homes; Carissa Grzetic; 425-941-1068; cgrzetic@risewellhomes.com

$350,000

2 Beds ⋅ 1 Baths ⋅ 2600447 MLS ⋅ ACTIVE Status

Welcome to Sunlight Waters, where peaceful country living meets year round recreation! Built in 2023, this charming and exceptionally well maintained home offers the perfect combination of modern comfort, low maintenance living, and a beautiful natural setting. Light and bright throughout, the inviting open concept floor plan features expansive windows, a cozy freestanding gas fireplace, and a spacious kitchen with pantry and convenient dining area. Two comfortable bedrooms, a well appointed bathroom, and dedicated laundry room complete the thoughtfully designed interior. Enjoy your morning coffee on the welcoming front porch or relax on the covered back deck overlooking the spacious backyard. Additional highlights include a detached garage with shop space and RV parking with dedicated power. The desirable Sunlight Waters community offers wonderful amenities including a clubhouse, seasonal swimming pool, two lakes, and walking trails. Outdoor enthusiasts will appreciate convenient access to the Yakima River, hiking, fishing, boating, mountain biking, snowmobiling, and skiing throughout the Cascade Mountains. Just minutes from downtown Cle Elum's charming shops, restaurants, and everyday conveniences, with easy access to I-90 for trips to Ellensburg and Seattle. Whether you're seeking a full time residence or weekend retreat, this property offers an exceptional opportunity to enjoy the best of Central Washington living!

1150 Sunlight Drive, Cle Elum

Listing Broker: Nick McLean Real Estate Group; Trevor King; 509-699-1169; trevor@nickmclean.com

322 Knotted Mane Court Unit #lot116, Cle Elum

$794,990

3 Beds ⋅ 2 Baths ⋅ 2595134 MLS ⋅ ACTIVE Status

Imagine ending your week with a scenic drive over the pass and arriving at a place designed for relaxation, connection, and adventure. Low-maintenance living, and four-season recreation at your doorstep, this is more than a home, it's your basecamp for making memories! Move right into your mountain escape and leave the city behind. MARCH COMPLETION!!! The Ascent Plan is a thoughtfully designed single-story home featuring an open-concept layout with a spacious great room, kitchen, and dining area. The primary suite includes a walk-in closet and en-suite bath, while two additional bedrooms provide flexibility for guests, work, or hobbies. A covered patio extends the living space outdoors for year-round enjoyment. Located in Cle Elum, Washington, approximately 90 minutes from Seattle. Just moments from Suncadia Resort, enjoy championship golf, dining, wineries, and year-round recreation. Explore historic Roslyn and downtown Cle Elum's shops, cafés, restaurants, and Sunday Farmers Market. Adventure awaits with hiking and mountain biking along the Pacific Crest Trail, fly fishing on the Yakima River, camping at Salmon La Sac, relaxing at Speelyi Beach, and skiing and snowboarding at Snoqualmie Pass. Future community amenities include a clubhouse, pool, fitness center, pickleball courts, parks, and miles of open space. Whether you're searching for a weekend retreat, seasonal getaway, or future residence, this lock-and-leave mountain home is ready to enjoy today.

322 Knotted Mane Court Unit #lot116, Cle Elum

Listing Broker: Risewell Homes; Carissa Grzetic; 425-941-1068; cgrzetic@risewellhomes.com

$649,000

3 Beds ⋅ 2 Baths ⋅ 2600035 MLS ⋅ ACTIVE Status

FIRST LOOK | A Rare Cle Elum Treasure! Not your average Cle Elum home. This extraordinary property has been lovingly rebuilt from the studs, combining the charm of its historic exterior with the comfort, style, and convenience of a beautifully modernized home. Offering 3 bedrooms and 2 bathrooms, every detail reflects exceptional craftsmanship and a commitment to quality. With all-new electrical, plumbing, water line, and sewer line, the extensive renovation offers the feel of a brand-new home. Situated on a 6,000+ square foot lot, the property is surrounded by gorgeous landscaping, with a fenced yard and inviting backyard firepit creating the perfect setting for outdoor gatherings and relaxing evenings. A detached garage provides additional storage, while a second historic home offers exciting potential to be restored into a charming 1-bedroom ADU, subject to approval. Ideal as a full-time residence, mountain retreat, or potential vacation rental, with the added opportunity to create future value. A truly remarkable property where thoughtful renovation, modern living, and possibilities come together. Rarely does a Cle Elum property offer quite this combination of quality, versatility, and potential!

316 W 2nd Street, Cle Elum

Listing Broker: John L. Scott RE Cle Elum; Loretta Sweigard; 509-674-8339; lorettas@johnlscott.com

$434,995

4 Beds ⋅ 2 Baths ⋅ 2598944 MLS ⋅ ACTIVE Status

Enjoy everyday comfort and convenience with this 1-story home at Mallard Meadows. With the Willow home design, you won’t have to worry about the hassle of going up and down stairs. Enter inside where a long hallway leads past 3 of the bedrooms and into the main living space. This is the space where you can do it all from cooking, to dining, to entertaining, to relaxing. Here, the great room, dining area, and kitchen seamlessly connect. The kitchen features glacier white cabinets, white sand countertops, and an island that you can adorn with barstools for additional seating. Spend peaceful mornings and evenings in the primary suite with a private bath and walk-in closet. There is an additional bathroom near the front door that has a tub-shower to accommodate your lifestyle preferences. This home also has a laundry room and plenty of storage with closets and a 2-car garage. Mallard Meadows features a community park for daily outdoor fun. There are also many local parks to explore. Everyday shopping, casual dining, entertainment, and Central Washington University are a quick drive away. Hop on I-90 for day trips to Snoqualmie Pass, Yakima, and other cities east and west. Take a tour to see this home in person and explore all that Ellensburg has to offer! This home is estimated to be complete and move-in ready by the end of January.

1209 E Eider Lane Unit #67, Ellensburg

Listing Broker: D.R. Horton; David Harlan; 206-979-9632; dwharlan@drhorton.com

$260,000

3 Beds ⋅ 1 Baths ⋅ 2599911 MLS ⋅ ACTIVE Status

$10,000 SELLER CREDIT! Opportunity meets classic Craftsman charm in this 3-bedroom, 1-bath home conveniently located just blocks from CWU and minutes from downtown, shopping, dining, and schools. Situated on a spacious 7,000 sq ft lot, this property offers room to grow, create, and make it your own. Step outside to a fully fenced backyard featuring established plum and pear trees, mature rose bushes, and organic garden beds. A 15' x 14' storage shed added in 2023 provides excellent space for hobbies, projects, or additional storage. Inside, you'll find a spacious mudroom, a brand-new refrigerator, a stove replaced in 2025, and all appliances included. A durable metal roof adds to the home's appeal. The kitchen flooring needs repair or replacement due to a previously repaired sink leak, offering an opportunity to customize the space to your taste. Whether you're looking for your first home, an investment opportunity, or a property with potential to build equity, this Craftsman is ready for its next chapter. Seller is offering a $10,000 credit at closing toward buyer's allowable closing costs, improvements, or other lender-approved expenses. Bring your vision and discover the possibilities!

307 W 14th Avenue, Ellensburg

Listing Broker: Keller Williams Western Realty; Tristan Jorgensen; 425-698-5999; tristanjorgensen@kw.com

220 Tanner Way Unit #206, Snoqualmie Pass

$449,000

1 Beds ⋅ 1 Baths ⋅ 2590793 MLS ⋅ ACTIVE Status

Enjoy year-round adventure at the Edelweiss Chalet with true ski-in/ski-out and bike-in/bike-out access. This updated unit features a remodeled kitchen with new cabinetry, slab countertops, and stainless-steel appliances. The modern bathroom offers a walk-in glass shower and quartz vanity. A cozy bunkroom with sliding barn door adds flexible sleeping space. The open living area with luxury vinyl plank flooring opens to a private deck with peaceful forest views. Building amenities include a game room, spa room, laundry, and wax and bike rooms-something for everyone.

220 Tanner Way Unit #206, Snoqualmie Pass

Listing Broker: Windermere Real Estate Co.; Rick Nimmer; 206-499-3080; ricknimmer@gmail.com

$410,000

3 Beds ⋅ 2 Baths ⋅ 2591190 MLS ⋅ FIRST LOOK Status

Welcome home to the comfort and charm of this inviting rambler, perfectly situated in a well-established neighborhood with beautiful, mature landscaping and a welcoming sense of community. Conveniently located near schools, medical services, and shopping, you'll enjoy the ease of having everyday amenities just minutes from your doorstep. Inside, this thoughtfully designed home offers 3 bedrooms plus an office space, providing flexible space for work, hobbies, or guests. New roof and exterior paint check this off your list of things to do! Step outside to a private backyard designed for making memories. Enjoy morning coffee or evening barbecues on the deck, tend to your garden, and take advantage of the spacious yard with plenty of room for pets to roam and room to play. A large concrete pad offers convenient space for a boat, trailer, or additional parking, while the detached two-car garage with alley access adds both functionality and convenience. Filled with warmth, space, this well-loved home gives you the opportunity to make it your own, this is a place where life's everyday moments can truly be enjoyed.

809 Seattle Avenue, Ellensburg

Listing Broker: Laura Mounter Real Estate; Nannette Saint; 509-665-9200; nannette@lauramounter.com

$438,000

3 Beds ⋅ 2 Baths ⋅ 2599646 MLS ⋅ ACTIVE Status

Welcome to this charming, move in ready, 3-bedroom, 2-bath Craftsman home full of character, warmth, and opportunity! Featuring beautiful wood accents, vaulted ceilings, and plenty of timeless charm, this home offers the perfect blend of classic style and modern updates. Enjoy the peace of mind that comes with numerous recent improvements, including new carpet, LVP flooring, new appliances, fresh interior and exterior paint, new plumbing, electrical work, newer vinyl windows, and updated bathroom fixtures and faucets. With plenty of storage throughout, this home offers both comfort and functionality. The possibilities continue outdoors! Situated on a generously sized corner lot, this property offers exciting potential for RV parking, a large shop, additional dwelling units (ADUs), or future investment opportunities. The spacious lot and desirable location close to town create an appealing opportunity for those looking to explore rental income, potential nightly rental use, or expanded living options. Whether you're an investor seeking your next opportunity, a first-time buyer looking for a home with personality and potential, or someone dreaming of additional space and flexibility, this property delivers a rare combination of charm, updates, and possibilities. A classic Craftsman with modern improvements, a versatile lot, and endless potential. Don't miss your opportunity to make this special property yours!

501 Columbia Avenue, Cle Elum

Listing Broker: RE/MAX Advantage; Chris Silver; 509-679-7356; AgentPNW@gmail.com

$1,159,000

3 Beds ⋅ 3 Baths ⋅ 2599256 MLS ⋅ ACTIVE Status

Your Suncadia getaway awaits! Move-in ready and with a solid rental history, this inviting home is equally suited for weekend escapes, extended stays, or sharing with guests. Gather in the spacious great room, where vaulted ceilings and a floor-to-ceiling stone fireplace create a welcoming setting. The kitchen, dining area, and living room flow together, making it easy to entertain. The main-level primary suite features a five-piece bath and direct access to the hot tub, perfect for unwinding after a day of adventure. Upstairs offers a loft, bunk room, additional bedroom, and full bath. Enjoy miles of trails, parks, golf, dining, and the natural beauty that makes Suncadia a favorite year-round destination.

61 Elk Sedge Court, Cle Elum

Listing Broker: Engel & Volkers North Cascades; Daniel Mellor; 425-373-6443; daniel@homedest.com

$735,000

2 Beds ⋅ 2 Baths ⋅ 2598784 MLS ⋅ ACTIVE Status

Idyllic Country charm in this updated farmhouse. 2 Bedroom + flex room and 1.75 Bath. Nestled on eight, irrigated acres this picturesque country spread offers a retreat from the pace of modern life and space to roam. Classic historical red-and-grey wooden barn and workshop add timeless character and function. Inside the farm's main home, a beautifully crafted kitchen evokes an inviting, rustic elegance. Adorned with copper sinks and rich hardwood finishes featuring cherry cabinets and clear fir trim. A huge black walnut slab creates a stunning and impressive kitchen island with bar seating. Primary Bedroom with en-suite bath features a beautiful wooden countertop with vintage bowl sink, heated floors and ceramic tile shower. Large flex/bonus room with cozy propane fireplace provides versatile and ample living/work space. Outside, the rolling pastures are irrigated with KRD irrigation, fenced and crossed-fenced, and ready for your four-legged friends. Multiple outbuildings provide storage and shelter for livestock. Life on this acreage feels delightfully grounded, private, and serene.

870 Upper Peoh Point Road, Cle Elum

Listing Broker: Windermere RE Cle Elum; Zach Rhoades; 253-279-6179; zachr@windermere.com

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Kittitas County Homes with FHA Terms

Newest Kittitas County Homes with FHA Terms

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