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

$219,000
2 Beds ⋅ 2 Baths ⋅ 2568393 MLS ⋅ ACTIVE Status
Welcome home to this beautifully refreshed 2-bedroom, 1.5-bath condo in a quiet, walkable neighborhood close to town and CWU. Recent updates include fresh interior paint, new carpet, and LVP flooring, creating a clean, comfortable feel that's truly move-in ready. The spacious upstairs primary suite features a walk-in closet and en-suite bath, while the additional bedroom offers flexibility and functionality as a bedroom, office, or workspace. Step outside to enjoy a quiet backyard space with your own patio—perfect for morning coffee, relaxing, or entertaining. Conveniently located near local amenities, shopping, dining, and campus, this home offers an ideal combination of comfort and convenience. If you're looking for a well-maintained property at a great price, this condo is ready to welcome you home!

209 E 18th Avenue Unit #D19, Ellensburg

Listing courtesy of BHHS Brick & Mortar RE.

$409,900
4 Beds ⋅ 3 Baths ⋅ 2567057 MLS ⋅ ACTIVE Status
Rare CWU-adjacent rambler with rentable studio. This is ideal for owner-occupant, or investor! Charming main house has 1360 sq ft house with 3 bed, 1/1/2 bath, bright kitchen with dining area and living space. Newer vinyl plank flooring with neutral carpet.The added value to this property is the additional 288 sq ft studio with it's own private entrance and dedicated off-street parking. The studio space has all you need with galley kitchen, full bath and stackable washer and dryer (shared utilities), fully fenced backyard with fruit trees, dog kennel, and shed. Low maintenance front yard. Close to the University and ready for a quick move in. Practical living space plus income potential!

807 E White Birch Avenue, Ellensburg

Listing courtesy of Windermere R. E. Ellensburg.

$685,000
4 Beds ⋅ 3 Baths ⋅ 2563561 MLS ⋅ ACTIVE Status
Welcome to Palomino! This home boasts 4 bedrooms + office and separate bonus room! Inside, you'll love the open-concept layout featuring a main-floor den with an adjacent full bath, perfect for guests or a home office. The chef's kitchen is designed for both entertaining and everyday living with a massive center island, solid quartz countertops, stainless steel appliances, induction cooktop, full-height backsplash, soft-close drawers, and separate dining room. The spacious great room is anchored by a contemporary electric fireplace and bright windows.Upstairs, the luxurious primary suite offers a spa-inspired bath with a corner soaking tub, separate shower, and a generous walk-in closet. The large bonus room provides endless possibilities for a media room, playroom, or home gym, while the conveniently located upstairs laundry room adds everyday ease. This home blends thoughtful design, modern upgrades, and exceptional efficiency into one incredible package.Outside features an Enphase solar system with 18 panels, keeping electric bills at approximately $25 per month, along with a whole-house water softener, 240V EV charger, smart garage door openers, and inviting covered front and back porches. Enjoy the spacious, fully fenced backyard that backs directly to the John Wayne Trail. The yard is equipped with a full irrigation system and includes pre-poured footings for a future storage shed, making it easy to add additional storage.

2819 Dapple Gray Way, Ellensburg

Listing courtesy of RE/MAX, The Collective.

$789,990
3 Beds ⋅ 3 Baths ⋅ 2564310 MLS ⋅ ACTIVE Status
NOW SELLING Pine Ranch by Risewell Homes! A new world of Washington living 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. Minutes from historic Roslyn and downtown Cle Elum's cafes, shops, restaurant, and Sunday Roslyn Farmer's market! Your home is a homebase for world class recreation, hiking and mountain biking along the Pacific Crest trails, world class fly fishing on the Yakima River, camping at Salmon La Sac or swimming at Speelyi beach, skiing and snowboarding at Snoqualmie pass, the possibilities are endless! A world away yet only 90 minutes from downtown Seattle! The Verde floorplan! Thoughtfully designed two-story home that blends open-concept living with flexible family spaces. The main floor features a spacious great room, dining area, and beautifully crafted kitchen with a walk-in pantry, all flowing seamlessly to a covered patio for year-round enjoyment. Upstairs, the private primary suite includes a large walk-in closet and spa-inspired bath, while two secondary bedrooms and a versatile loft provide room to grow. An open-to-below design adds volume and natural light throughout the home.

553 Appaloosa Way Unit #lot 59, Cle Elum

Listing courtesy of Risewell Homes.

$919,990
4 Beds ⋅ 3 Baths ⋅ 2564314 MLS ⋅ ACTIVE Status
NOW SELLING!!!!!! Welcome to 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. Minutes from historic Roslyn and downtown Cle Elum's cafes, shops, restaurant, and Sunday Roslyn Farmer's market! Your home is a homebase for world class recreation, hiking and mountain biking along the Pacific Crest trails, world class fly fishing on the Yakima River, camping at Salmon La Sac or swimming at Speelyi beach, skiing and snowboarding at Snoqualmie pass, the possibilities are endless! A world away yet only 90 minutes from downtown Seattle! The Sendero Plan combines modern design with exceptional functionality. The first floor features a large great room, dining area, oversized kitchen with pantry, and a convenient mud room for daily organization. Upstairs, four bedrooms are complemented by a centrally located loft that can serve as a media room, study area, or play space. The spacious primary suite offers a walk-in closet and private bath, creating a comfortable retreat at the end of the day. Stop by today and tour our completed model of this floorplan!

479 Appaloosa Way Unit #lot 68, Cle Elum

Listing courtesy of Risewell Homes.

$859,000
3 Beds ⋅ 5 Baths ⋅ 2565963 MLS ⋅ ACTIVE Status
Custom-built by the owner and loved ever since, this spacious 3,169 sq ft home sits on 3 private acres on a dead-end road — close to town, but a world away from the noise. Inside, the open kitchen anchors the home with solid maple shaker cabinetry, a large island perfect for hosting, a big pantry, and room to actually cook and gather. Solid oak & tile flooring run through the main areas w/ comfy carpet in the LR & bedrooms. 3 bedrooms, 3 full baths & 2 1/2 baths, a dedicated office in the main part of the home , & a bonus room above the garage with a half bath & tongue-and-groove pine ceiling and walls round out a floor plan with space for everyone and everything. Enough room to work from home & have a studio or theater space for flex space! Great storage throughout with amazing thought-out accessible spaces for all of your things. Custom details at every turn on this one.Open views, mature landscaping, a variety of flowers, shade trees, & a large lawn with sprinklers create a setting that's as beautiful as it is functional. Pasture area gives you room for animals & it stays green with senior water rights. Coming and going is nice and clean with a paved drive leads to an oversized 2-car garage. A brand new roof in 2025 means a big cost is already handled. This is the kind of home that rarely comes available — built right, maintained well, & ready for its next chapter.

461 Fields Road, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$537,000
3 Beds ⋅ 1 Baths ⋅ 2565670 MLS ⋅ ACTIVE Status
Down to the studs, fully remodeled mountain cabin in desirable Driftwood Acres, right next to Lake Cle Elum — every major system replaced: new metal roof, full plumbing, all-new electrical panel/wiring/lighting, windows & doors. Chef's kitchen features tiled backsplash, oversized sink, and custom floating shelves. Tiled bathroom with full tile surround. Cedar-wrapped beams, new deck, and fresh exterior paint give this cabin mountain character. Cozy living space with tongue & groove ceiling, exposed beams, and efficient wood stove; 3-zone mini split for year-round comfort. High-end hot tub with gazebo, updated landscaping, fully fenced backyard and 10x20 shed on a 1/4-acre lot. Primary bed/bath on main level; enclosed upstairs loft for additional sleeping. Driftwood Acres features private gated beach access and boat launch. Minutes to Coal Mine trail, rivers, lakes, and town. Newer septic; HOA incl. water & snow removal. Short-term rentals allowed -  income potential from day one. Listed well below recent appraisal.

71 Tamarack Lane, Ronald

Listing courtesy of TEC Real Estate Inc..

$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.

$469,000
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.

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