Whatcom Homes with Assumable Terms

Whatcom Homes with Assumable Terms

Welcome to Whatcom County, located in the beautiful state of Washington, USA. Known for its stunning natural landscapes, vibrant communities, and a thriving real estate market, Whatcom County is a great place to call home.

Situated in the northwest corner of Washington, Whatcom County offers residents a unique combination of urban amenities and outdoor adventures. The county is home to the city of Bellingham, which serves as the county seat and offers a diverse range of cultural attractions, shopping centers, and dining options. Bellingham is also home to Western Washington University, adding a youthful and energetic vibe to the area.

One notable feature of the real estate market in Whatcom County is the availability of homes with assumable terms. This means that buyers have the option to assume the existing mortgage of the seller, rather than obtaining a new loan. This can be an attractive option for buyers, as it may offer more favorable terms and potentially save on closing costs.

Whether you're looking for a cozy suburban home, a waterfront property with breathtaking views, or a rural retreat surrounded by nature, Whatcom County has something for everyone. With a range of housing options and a strong sense of community, this county is an ideal place to put down roots and create lasting memories.

So, if you're considering a move to Washington state, don't overlook the charm and opportunities that Whatcom County has to offer. Start exploring the real estate market, and you might just find your dream home with assumable terms in this picturesque corner of the Pacific Northwest.

Newest Whatcom Homes with Assumable Terms

$819,900
4 Beds ⋅ 3 Baths ⋅ 2562391 MLS ⋅ ACTIVE Status
Truly one of a kind, this custom home is tucked away at the end of a private driveway, offering exceptional privacy, no road noise, and no neighboring homes in sight. Completely renovated in 2018-2019, the home features a commercial grade newer foundation, windows, highline metal roof, custom blue-stained pine walls, and beautiful live-edge Western maple finishes. Efficient mini-splits provide heating and air conditioning, while the wood-burning fireplace and covered back deck create the feel of a Pacific Northwest lodge retreat in every season. The spacious floor plan includes four bedrooms, a fifth bedroom or office/den, a living room, and a separate family room. The property also features fruit trees, a chicken coop, a detached shop, and a private trail system-an ideal setting for those seeking space, tranquility, and a true connection to nature.

3695 Grandview Road, Ferndale

Listing courtesy of John L. Scott Bellingham.

$539,999
3 Beds ⋅ 3 Baths ⋅ 2553922 MLS ⋅ ACTIVE Status
Tucked away in a peaceful, park-like setting, this beautifully maintained 3-bedroom, 2.5-bath home offers the perfect blend of privacy, nature, and flexible living. Surrounded by mature trees and abundant wildlife, you'll often enjoy visits from deer, hear owls in the evening, and experience the tranquility that makes coming home feel like a retreat. Designed with versatility in mind, the layout offers excellent potential for multigenerational living, extended guests, or a variety of lifestyle needs, providing flexible spaces to fit the way you live. A private trail beside the garage creates an inviting entrance to the property. Whether you're enjoying your morning coffee surrounded by nature or unwinding after a long day with the sounds of birds and rustling trees, this property offers a rare sense of peace that's becoming increasingly hard to find. Despite its serene setting, you'll still appreciate convenient access to nearby amenities, making it easy to enjoy both privacy and everyday convenience. Roof replaced in 2022. As an added bonus, qualified VA buyers may have the rare opportunity to assume the existing VA loan with an incredibly low 2.375% interest rate

5818 Everson Goshen Road, Bellingham

Listing courtesy of Hansen Group Real Estate Inc.

$650,000
2556215 MLS ⋅ ACTIVE Status
Extraordinary Coastal Opportunity! Discover an unparalleled canvas for your vision with this rare 85.44-acre fee simple offering on Lummi Shore Drive. Perfectly positioned to capture the breathtaking beauty of the Pacific Northwest, this property seamlessly blends expansive acreage with pristine, low-bank waterfront on the shores of Bellingham Bay.Property Highlights*Prime Waterfront: Boasting 8 ac. of desirable low-bank waterfront, providing immediate, easy access to the bay.*Expansive Acreage: A total of 44 ac offering significant room for development, a private estate, or long-term investment. Both parcels total 130 acres!*Iconic Vistas: Enjoy panoramic, awe-inspiring views: B'ham, San Juan's, Nooksack River, & Mount Baker.*Topography & Nature: The land is primarily level with gentle slopes, making it highly versatile for various site plans. Explore established walking trails that meander through the property, immersing you in a natural sanctuary teeming with wildlife—from soaring eagles to salmon jumping in the bay.* Both of these properties are Titled Fee Simple. Land has been replanted with 11,000 Douglas Fir, Cedar, & Hemlock. Gated, gravel road and a high-quality springer bridge were installed. Road & bridge permits pulled along with environmental wetlands report. Forms to hook up to Lummi Water and Sewer are now available on MLS listing Supplements.

Lummi Shore Road, Bellingham

Listing courtesy of eXp Realty.

$749,000
3 Beds ⋅ 2 Baths ⋅ 2531172 MLS ⋅ ACTIVE Status
Your chance to own the perfect escape in the sought-after SNOWLINE community! This immaculately kept, fully furnished 3 bed, 2 bath home with large loft offers vaulted ceilings, skylights, wood fireplace, and a spacious kitchen. Relax in the hot tub, gather on the sunny front deck, or enjoy the utility room designed for ski gear. Extras include ample storage, a shed, and covered carport. The level lot provides space to play, while the clubhouse, pool, and sport courts are just steps away. Ideal for year round adventure-ski, snowboard, hike, or fish! This community allows short-term rentals.

7077 Austin Pass Road, Glacier

Listing courtesy of Windermere RE Whatcom, Inc..

$3,433,015
2504134 MLS ⋅ ACTIVE Status
Huge price reduction gives you a true 8% Cap Rate based on actual #s. This reflects the single unit currently vacant plus we deducted an additional 5% vacancy rate on top of that just to keep the underwriters happy. Or, you can assume the underlying mortgage (approx $1.28M) at 4.125% FIXED for the next 5 years. That is cheap money! Don't miss this chance to own a piece of historic downtown Fairhaven. 8 street-level commercial/retail condos split between the Waldron & Young Buildings encompassing Finnegan's Alley. Multiple addresses. 91.5% occupied. Total 19,820 sq feet with 14,275 rentable. All leases include escalations and are NNN. All #s are actual, not pro-forma. 8% cap rate. View units with discretion only. Do not disturb tenants. Sale also includes some underground parking rights.

13111327 11th Street, Bellingham

Listing courtesy of John L. Scott Bellingham.

$325,000
1 Beds ⋅ 1 Baths ⋅ 2477250 MLS ⋅ ACTIVE Status
Well maintained light and bright 1-bed unit with 9 ft ceilings. Features an office/den, updated fixtures, washer & dryer in a large utilty room with lots of storage. Open layout with a private balcony ideal for morning coffee or evening relaxation. Living room shade controlling light and privacy, ceiling fan. Extra dressing space & vanity off bedroom w/walk-in closet opens to a full bath. Clubhouse w/kitchen, lounge, fireplace, and fitness center. 24 hour security. Close to Cordata park & trails, bus, WCC, shopping & restaurants. Perfect as a primary residence or income property with no rental cap! ASSUMABLE VA LOAN @ 2.875%

500 Darby Drive Unit #210, Bellingham

Listing courtesy of eXp Realty.

$1,199,000
1 Beds ⋅ 3 Baths ⋅ 2477253 MLS ⋅ ACTIVE Status
This property is sold "as-is" so much value in the land, and rare zoning! Exceptional waterfront restaurant and bar investment in Point Roberts, Welcome to the Reef! just 30 minutes from downtown Vancouver, BC. This income-producing, Resort Commercial–zoned property offers a rare combination of waterfront location, beach rights, multiple revenue streams, and long-term upside. Positioned directly on the water, the restaurant delivers breathtaking ocean views, cool sea breezes, and a true destination dining experience that consistently attracts locals, tourists, and cross-border traffic. The setting is ideal for events, private parties, weddings, and corporate gatherings, creating significant potential to expand revenue beyond daily operations.The property also benefits from additional passive income via a leased on-site liquor store, providing diversification and stability. Resort Commercial zoning allows for a wide range of uses, making this an attractive asset for both owner-operators and investors seeking flexibility, redevelopment potential, or future repositioning.Point Roberts is one of the Pacific Northwest’s most unique coastal communities — a waterfront enclave with limited commercial inventory, a loyal customer base, strong seasonal demand, and proximity to a major international metro. Waterfront commercial properties with income, zoning flexibility, and this level of location appeal are exceptionally rare.

1334 Gulf Road, Point Roberts

Listing courtesy of John L. Scott, Inc..

$1,000,000
2256754 MLS ⋅ ACTIVE Status
MAJOR PRICE REDUCTION. MOTIVATED SELLER HAS REDUCED THE PRICE AGAIN. Birch Bay living year round. Updated 4-plex located one block off Birch Bay Drive. Three 2 bedroom units and 1 one bedroom unit. All units were remodeled in 2021. Parking lot resurfaced in 2024. Laundry room on site equipped with stack washer/dryer. VA Loan 2.75% interest rate can be assumed by a non-veteran. Balance owing is $484,000. RESORT COMMERCIAL ZONING ALLOWS NO SET BACKS AND NO HEIGHT RESTRICTIONS. ADDITIONAL UNITS CAN BE ADDED WITH GREAT VIEW OF BIRCH BAY. PROPERTY WAS RECENTLY SURVEYED.

7687 Francis Lane Unit #1-4, Blaine

Listing courtesy of RJR Real Estate Inc..

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