Kittitas Homes with FHA Terms

Kittitas 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 Homes with FHA Terms

$425,000
2 Beds ⋅ 1 Baths ⋅ 2564035 MLS ⋅ ACTIVE Status
Escape to your own private mountain wilderness in this charming 2 bedroom cabin, nestled on 18 secluded acres near the scenic heights of Peoh Point and featuring mature forests, and bounties of spring trillium flowers. Located just 10 minutes from downtown Cle Elum, this rare recreational retreat perfectly balances absolute privacy with quick access to local shops and dining. Or go hiking outside your door and fishing in the Yakima river. The thoughtful layout offers a convenient bedroom on the main level, complemented by an extra large loft upstairs. Outside, a large deck provides the perfect space to unwind and take in the serene surroundings. Designed for independent, self sufficient living, the property features robust off-grid systems, including reliable propane energy, a traditional wood stove for cozy mountain nights, 300 gallon water tank, and an established private septic system. The house is also completely wired for future connection to both electrical grid and a generator. New paint inside and out, and the AWD gravel drive is freshly graded.

390 Tillman Creek Road, Cle Elum

Listing courtesy of John L. Scott, Inc..

$394,000
3 Beds ⋅ 3 Baths ⋅ 2564714 MLS ⋅ ACTIVE Status
Better than new and one of the best values in Black Horse! Built in 2024, this beautifully maintained 3-bedroom, 2.5-bathroom home offers 1,340 square feet of bright, open living space with contemporary finishes, smart switches throughout, LED lighting, central A/C, stainless steel appliances, and a modern kitchen with a center island. The fully fenced backyard features attractive pavers combined with gravel, creating a stylish zero maintenance outdoor space. Enjoy community trails, a private park, and convenient access to downtown Ellensburg and I-90. One of the best values in the Black Horse community. Call your favorite agent and schedule a private tour today!

3111 Wrangler Drive, Ellensburg

Listing courtesy of RE/MAX, The Collective.

$449,900
4 Beds ⋅ 2 Baths ⋅ 2564031 MLS ⋅ ACTIVE Status
Better than new and completely move-in ready! This beautifully maintained home sits on a desirable corner lot and has all the finishing touches already completed, including full landscaping, a fully fenced backyard, and an underground sprinkler system. Inside, you'll find a bright, open-concept floor plan that's perfect for everyday living and entertaining, along with numerous thoughtful updates throughout that add both style and functionality. Pride of ownership shines in every room, making this home exceptionally clean and truly turnkey. Step outside to enjoy a backyard oasis featuring established fruit trees and grapevines, creating the perfect space to relax, garden, or entertain. Skip the hassle and expense of completing a new build, this home has it all and is ready for its next owners!

1802 S Mallard Way Unit #31, Ellensburg

Listing courtesy of RE/MAX, The Collective.

$475,000
3 Beds ⋅ 2 Baths ⋅ 2563670 MLS ⋅ ACTIVE Status
Don't miss this rare opportunity to own two-thirds of an acre in city limits! This 1,510 sqft single-story rambler, built in 1977, has been thoughtfully updated and is move-in ready. Step inside to an open great-room layout with a spacious living area anchored by a cozy wood-burning fireplace. The brand-new kitchen shines with granite countertops, stainless appliances, a gas range, natural-wood cabinetry, and a breakfast bar with seating. Both bathrooms have been tastefully updated, and the primary bedroom features its own attached bath. Stay comfortable year-round with central heat and air conditioning and an efficient tankless hot water heater. An oversized two-car garage offers plenty of room for vehicles, storage, or a workshop.Outside is where this property truly sets itself apart. Enjoy multiple outdoor living spaces, including a stamped-concrete walkway and patio, plus a whimsical, shaded back garden patio strung with lights—an ideal spot to entertain or unwind. Green thumbs will love the greenhouse, raised garden beds, mature landscaping, and dedicated garden shed. There's ample room for animals, RV/trailer parking, gardening, and play, all with sweeping mountain views as your backdrop.City convenience with room to roam—this one has it all. Schedule your showing today!

500 W Ridgeview Lane, Ellensburg

Listing courtesy of Coldwell Banker Central.

$440,000
3 Beds ⋅ 2 Baths ⋅ 2562183 MLS ⋅ ACTIVE Status
Beautifully maintained one-story home offering 1,402 square feet, 3 bedrooms, and 2 full bathrooms in one of Ellensburg's most convenient locations. The open-concept floor plan is filled with natural light and features vaulted ceilings, a spacious living room, and an inviting kitchen with abundant cabinetry and all appliances included—including the washer and dryer. The generous primary suite offers a private full bathroom, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. Recent updates include fresh interior paint and refreshed exterior landscaping, making this home truly move-in ready. Step outside to enjoy a large, fully fenced backyard designed for entertaining and everyday living with a covered patio, athletic court with basketball hoop, playset, covered storage, and irrigation through Cascade Irrigation. Ideally located near Central Washington University, parks, hiking trails, shopping, dining, and quick I-90 access, this home offers an outstanding opportunity for both owner-occupants and investors alike.

2510 N Ellington Street, Ellensburg

Listing courtesy of Windermere Prof Partners.

$319,000
3 Beds ⋅ 1 Baths ⋅ 2563252 MLS ⋅ ACTIVE Status
Charming Craftsman just blocks from CWU. This 3-bed, 1 bath is situated in a great location that is only minutes from downtown and schools. This cute home would make a great starter home or investment property. The fridge is brand new, stove new in 2025, and all appliances are included. This home features a metal roof and a large, fenced back yard. The generous 7000 square foot lot includes organic garden beds, roses, plum and pear fruit trees. In 2023 a large 15'x14' storage shed with 3 windows was built. Spacious mudroom with abundant storage - ready for your personal updates. Seller is offering a $5k credit at closing due to kitchen floor water damage (kitchen sink leak has been repaired).

307 W 14th Avenue, Ellensburg

Listing courtesy of Keller Williams Western Realty.

$799,900
3 Beds ⋅ 3 Baths ⋅ 2562966 MLS ⋅ ACTIVE Status
Welcome to 160 Ronald Ridge Road, a charming property nestled in the peaceful community of Ronald, Washington. Enjoy the privacy and tranquility of mountain living while being just a short drive from the year-round recreation of Cle Elum and the surrounding Cascade Mountains. This property offers an excellent opportunity for a full-time residence, weekend getaway, or investment. Whether you're looking to relax, explore the outdoors, or enjoy everything the Cle Elum area has to offer, this is a great opportunity to own a piece of the beautiful Kittitas County landscape.

160 Ronald Ridge Drive, Ronald

Listing courtesy of Amplify Real Estate Services.

$469,999
4 Beds ⋅ 2 Baths ⋅ 2561581 MLS ⋅ ACTIVE Status
Tucked away at the end of a quiet dead-end street, this well-maintained South Cle Elum home is the kind of place where peaceful mornings, backyard barbecues, and everyday moments become your favorite memories. With over 2,000 square feet of living space, this 4-bedroom, 2-bath home offers the room and flexibility today's buyers are looking for. The expansive great room, anchored by a cozy propane fireplace, creates the perfect space for gathering with friends, while the spacious primary suite features a walk-in closet, providing a comfortable retreat at the end of the day. Equipped with solar panels to help with inexpensive power bills all year long! Step outside to a beautifully updated, fully fenced backyard featuring a brand-new deck, lush lawn, established flower gardens, mature apple and cherry trees, and plenty of space for gardening, entertaining, or simply relaxing. A newer heat pump provides year-round comfort, while the attached two-car garage, built beneath the snow shed roof, and an additional storage shed provide excellent space for vehicles, tools, and outdoor gear. Just moments from the Yakima River, neighborhood parks, downtown Cle Elum, and convenient I-90 access, you'll enjoy the best of everyday living with year-round recreation just minutes from your doorstep.

813 1/2 Broadway Avenue, South Cle Elum

Listing courtesy of COMPASS.

$500,000
4 Beds ⋅ 2 Baths ⋅ 2562413 MLS ⋅ ACTIVE Status
This home is situated on 3.98 irrigated acres located close to city limits. The property features 3 bedrooms, 2 bathrooms, a covered back deck, a shed that stays with the property, and a 2-car detached garage. Located at the end of a private drive shared with 3 other properties, this setting offers peace, privacy, and frequent wildlife sightings, including deer. The property is partially fenced and includes Westside Ditch irrigation with 2 shares (approximately $350/year).Please note: The property has experienced three separate fire events and has been impacted by fire damage. The home is being sold as a short sale and is not currently financeable. Buyer to verify all conditions, repairs, and requirements. Property is being shown in accordance with state guidelines.

2322 Umptanum Road, Ellensburg

Listing courtesy of LPT Realty LLC.

$2,150,000
4 Beds ⋅ 5 Baths ⋅ 2562025 MLS ⋅ ACTIVE Status
Welcome to the Suncadia lifestyle you've been dreaming about! Perfectly positioned on the 13th green of the renowned Rope Rider Golf Course, this exceptional custom built 4 bedroom, 4 bath home delivers luxury, comfort, and unforgettable outdoor living. Gather around the oversized gas fire pit with seating for 10 while taking in unobstructed golf course views or relax on the private patio and soak in the hot tub as local wildlife passes by. Inside, the open concept design was built for entertaining, featuring a chef inspired kitchen with a 48" double oven range, expansive island, generous dining area, and an inviting living room anchored by a cozy gas fireplace with floor to ceiling quartz stone. Storage is abundant throughout, making everyday living effortless. The main level primary suite offers a peaceful retreat with a spa like five-piece ensuite and direct access to the hot tub patio. Upstairs you'll find three additional bedrooms and a spacious rec room, while the attached two car garage has been transformed into the ultimate game room for endless fun. Ideally located just moments from the Nelson Farm owners only pool, The Lodge, Swim & Fitness Center, Dawson Park, miles of trails, golf, dining, and year-round recreation, this is more than a home it's your opportunity to experience everything Suncadia has to offer.

1630 Coal Mine Way, Cle Elum

Listing courtesy of Windermere Real Estate/East.

$415,000
3 Beds ⋅ 2 Baths ⋅ 2560697 MLS ⋅ ACTIVE Status
Welcome to this spacious single-story home offering 1,944 square feet of thoughtfully designed living space on an oversized 12,014-square-foot lot. Featuring 3 bedrooms, 2 bathrooms, a versatile flex room ideal for a home office, hobby room, or guest space, and a spacious 3-car garage, this home offers the perfect blend of comfort and functionality. Step outside to a fully fenced backyard featuring a variety of fruit trees, including peach, nectarine, apple, Asian pear, plum, and apricot, creating your own private orchard. With plenty of room for entertaining, gardening, pets, or simply relaxing, this property offers space to enjoy both indoors and out. Don't miss this opportunity at a great price!

2105 W Sunnyview, Ellensburg

Listing courtesy of BHHS Brick & Mortar RE.

$529,000
2 Beds ⋅ 2 Baths ⋅ 2561429 MLS ⋅ ACTIVE Status
What a unique property! It is a perfect location, minutes from town on 3.26 acres. The huge shop was built in 1996 and the living space was added in 2013. This well-maintained home has an open concept floorplan with the bedrooms upstairs. The fireplace is great for the winter evenings and mini split to cool things down in the summer. 2 bed/1 ¾ bath, office space, master with large, organized closet space. Spectacular view of the Stuart Range right out your window. Nice big yard and garden boxes ready to set up. If this isn’t enough to keep you busy you could restore a bit of history with this 1890 barn. There is potential and great possibilities available to you! Come take a look!

3352 Hungry Junction Road, Ellensburg

Listing courtesy of Windermere R. E. Ellensburg.

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