Whatcom Homes with USDA Loan Terms

Whatcom Homes with USDA Loan Terms

Located in the beautiful state of Washington, Whatcom County is a gem nestled in the Pacific Northwest region of the United States. Known for its stunning natural landscapes and vibrant communities, this county offers a fantastic place to call home.

Whatcom County is situated in the northwestern corner of Washington, bordered by the Canadian province of British Columbia to the north. With its diverse geography, residents of Whatcom County can enjoy the best of both worlds, from the picturesque coastline along the Salish Sea to the majestic mountains of the North Cascades.

One of the advantages of living in Whatcom County is the availability of homes with USDA loan terms. The USDA loan program, offered by the United States Department of Agriculture, provides financing options for homebuyers in eligible rural areas. This means that individuals and families in Whatcom County can take advantage of affordable housing options with low-interest rates and flexible terms.

Whether you're looking for a cozy cottage in a small town or a spacious family home in a more suburban area, Whatcom County has a wide range of properties to suit different needs and budgets. From charming historic homes in Bellingham, the county's largest city, to peaceful retreats in the rural communities of Ferndale and Lynden, there is something for everyone in this picturesque county.

With its natural beauty, strong sense of community, and affordable housing options, Whatcom County is a fantastic place to settle down and call home. Explore the possibilities and find your dream home in this idyllic corner of Washington state.

Newest Whatcom Homes with USDA Loan Terms

$495,000
3 Beds ⋅ 1 Baths ⋅ 2565705 MLS ⋅ ACTIVE Status
Single-level home in Bellingham's Roosevelt neighborhood featuring 3 bedrooms, 1 bathroom, an attached garage, and additional off-street parking. Wood stove provides a cozy living space while supplementing the gas forced-air furnace. Large back deck overlooks a nice backyard, and alley access offers convenient secondary access to the property. The home could benefit from updating, presenting an opportunity to make it your own. Convenient location near shopping, restaurants, the cinema, schools, parks, and other everyday amenities.

2617 Undine Street, Bellingham

Listing courtesy of Keller Williams Western Realty.

$670,000
3 Beds ⋅ 2 Baths ⋅ 2565618 MLS ⋅ ACTIVE Status
Welcome to this beautifully crafted single-level home in Lynden's desirable Kode Kamp Vista community! Perfectly situated on a quiet cul-de-sac, this thoughtfully designed 3-bedroom residence offers modern comfort, quality finishes, and an exceptional open-concept layout. The inviting great room features soaring vaulted ceilings and flows seamlessly into the spacious kitchen, complete with a large island, granite countertops, tall cabinetry, soft-close drawers and cabinets, a walk-in pantry, and stainless steel appliances including a gas range. The private primary suite offers a spa-inspired bath with dual granite vanities, a generous walk-in shower, and an oversized walk-in closet. A well-appointed laundry room provides abundant cabinetry, granite counters, and additional storage. Step outside to the stamped concrete patio overlooking the expansive backyard, offering the perfect space for entertaining, relaxing, or enjoying the peaceful surroundings. Ideally located near parks, schools, and downtown Lynden amenities, this move-in ready home blends timeless style with everyday functionality.

1913 Benjamin Court, Lynden

Listing courtesy of Redfin.

$1,175,000
3 Beds ⋅ 3 Baths ⋅ 2563975 MLS ⋅ ACTIVE Status
Welcome to your personal, park-like paradise! This beautiful 3-bed/2.5-bath home sits on a flat, sunny, picturesque 5-acre lot that's even more stunning in person. Located on a paved private road just minutes from Bellingham, this meticulously cared-for property features a large, 3-bay shop with power, fully automated hydroponic greenhouse, irrigated vegetable garden, gorgeous lawn, fruit trees, and fully-stocked fish pond complete with dock, walking trail, deer run, and birdhouses. The home's main floor offers a cozy parlor room leading past the stairs and into an amazing social area. The kitchen is an immaculate central hub and an entertainer's dream, boasting stainless steel appliances, granite counters, tons of cabinet space, a walk-in pantry, and a massive island with seating and storage. It flows effortlessly into the living room, formal dining room, 3/4 guest bathroom, and out to the patio, with large windows providing tons of daylight and views of the pond. Upstairs you'll find the spacious primary bedroom, featuring twin walk-in closets and a roomy en-suite bathroom complete with double vanity and separate makeup counter. Down the hall you'll find a full guest bath, two guest beds, laundry, and an awesome bonus room hidden behind a disguised bookshelf entrance that's perfect as a gym, office, studio, or playroom. And I haven't even mentioned the oversized 2-car garage, wood fire pizza oven, chicken coop, or fully covered wraparound porch yet. Come see for yourself!

5350 Stephens Drive, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$380,000
3 Beds ⋅ 2 Baths ⋅ 2563678 MLS ⋅ ACTIVE Status
Brand new 2026 Energy Star certified manufactured home in the heart of Sumas! Built approximately 2 feet above the City’s flood elevation requirements, this thoughtfully designed 3-bedroom, 1.75-bath home combines modern comfort with added peace of mind. The open-concept layout centers around a spacious living area that flows seamlessly into a well-appointed kitchen featuring a large island, stainless steel appliances, abundant cabinetry, and generous prep space. The primary suite boasts a dual-sink vanity and a spacious walk-in shower, while a dedicated laundry room provides everyday convenience. Enjoy your morning coffee from the covered front porch, take advantage of alley access to the rear of the property, and appreciate the ease of low-maintenance living. The level lot provides endless opportunities to create the outdoor space you’ve always envisioned, whether it’s a garden, patio, or beautifully landscaped yard. Conveniently located within walking distance of downtown Sumas, local shops, restaurants, and Sumas City Park with sports courts, playgrounds, and a splash pad, this beautiful new home is ready to welcome its first owners.

211 Harrison Street, Sumas

Listing courtesy of van der Velde and Company.

$499,000
3 Beds ⋅ 1 Baths ⋅ 2564575 MLS ⋅ ACTIVE Status
Welcome to this charming 3-bedroom, 1-bath home offering 1,538 sq. ft. of comfortable living space on a beautifully maintained 0.91-acre property. This peaceful country setting is perfect for those seeking room to spread out while still enjoying convenient access to nearby amenities.A true gardener’s paradise, the property features established garden beds, vibrant flowers, mature fruit trees, and a chicken coop—ideal for creating your own hobby farm or enjoying a more self-sufficient lifestyle. A detached shop and multiple outbuildings provide abundant storage, workshop space, or endless possibilities for hobbies and projects. Ample RV parking and two covered carport spaces offer plenty of room for vehicles, recreational toys, and guests.Whether you’re relaxing among the colorful landscaping, harvesting fresh produce and fruit, tending to the gardens, or taking advantage of the property’s versatile outbuildings, this inviting country retreat offers the perfect blend of comfort, functionality, and outdoor living. Don’t miss this unique opportunity to own a property with space to live, grow, and make it your own.

6749 Guide Meridian Road, Lynden

Listing courtesy of Keller Williams Western Realty.

$780,000
5 Beds ⋅ 3 Baths ⋅ 2565080 MLS ⋅ ACTIVE Status
Perched in one of Ferndale's well established neighborhoods, this beautifully maintained home offers sweeping Mount Baker and bay views along with the flexibility today's buyers are searching for. This home lives like a single story, with everything you need on the main floor, while also offering a fully finished lower level that provides valuable bonus space. The thoughtfully designed daylight lower level features its own private entrance, two bedrooms, a ¾ bath, spacious living room, and kitchenette, creating a flexible separate living area with a variety of potential uses. Upstairs, large windows frame stunning views while inviting natural light throughout the main living areas. Step outside onto one of two decks to enjoy your morning coffee or unwind as the sun sets over the bay. The beautifully landscaped yard offers privacy and color in every season, complete with abundant flowers, a greenhouse, mature plantings, and plenty of room to garden or entertain. Additional features include a 2-car garage, oversized driveway with ample off-street parking, two fireplaces, hardwood flooring, radiant hot water heat, and a location that offers easy access to schools, parks, downtown Ferndale, and I-5. Whether you're looking for space to spread out, room for loved ones, or simply a home with unforgettable views, 2459 Crestline Street is a rare opportunity to enjoy it all.

2459 Crestline Street, Ferndale

Listing courtesy of Buck Real Estate.

$665,000
3 Beds ⋅ 3 Baths ⋅ 2565071 MLS ⋅ ACTIVE Status
Tucked away at the end of a quiet cul-de-sac in desirable Tweed Twenty, this sunny, classic home offers timeless curb appeal with its brick façade and welcoming covered front porch. Inside, you'll find a functional, well-designed layout featuring two spacious living areas, a formal dining room, and an updated kitchen with new cabinetry and countertops. Upstairs are three generously sized bedrooms. Recent improvements include luxury vinyl plank flooring, fresh interior paint, remodeled bathrooms, new washer/dryer, and durable Hardie Plank siding on the west side of the home. Step outside to a private, .25 acre backyard with ample room for gardening, entertaining, and hobbies. Ideally located just minutes from Lake Whatcom, Barkley Village, trails, parks, and schools, this home offers the perfect combination of comfort, character, and convenience with room to make it your own.

1311 Sommerset Court, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$659,000
3 Beds ⋅ 2 Baths ⋅ 2564793 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained 3-bedroom, 2-bath home offering over 2,200 square feet of thoughtfully designed living space in one of Everson's desirable newer neighborhoods. Not in the flood zone, high and dry here! The open-concept floor plan is perfect for both everyday living and entertaining, featuring vaulted ceilings, abundant natural light, a cozy gas fireplace with shiplap accents and built-ins, and a spacious kitchen complete with quartz countertops, walk-in pantry, and ample cabinetry. The main-floor primary suite offers a luxurious tile walk-in shower and oversized walk-in closet, while the versatile bonus room above the garage provides the perfect space for a home office, playroom, or media room. Step outside to enjoy the fully fenced backyard with plenty of room to relax, garden, or entertain. Conveniently located just minutes from schools, parks, and downtown Everson, with an easy commute to Bellingham or Lynden. This move-in-ready home combines modern finishes, functional design, and small-town charm—don't miss your opportunity to make it yours!

1304 Cashmere, Everson

Listing courtesy of Mission Realty, LLC.

$649,999
3 Beds ⋅ 2 Baths ⋅ 2561444 MLS ⋅ ACTIVE Status
Waterfront Living in the Desirable Glenhaven Community! Enjoy peace and privacy, lakefront living in this beautifully updated one-story home with a fully finished and remodeled walkout basement. The lower level features a brand-new second kitchen, creating an excellent opportunity for multigenerational living, guest accommodations, or potential rental income. Lakefront yard with firepit, raised garden beds, partially fenced with a view of Treasure Island. The main level offers an open-concept great room, a remodeled kitchen, two comfortable bedrooms, and a full bathroom. Step outside onto the spacious deck and take in the tranquil views of Reed Lake, a stocked trout lake surrounded by abundant wildlife and natural beauty. Recent updates include new roof, siding, flooring, and most windows, all thoughtfully selected to maximize the home's comfort, functionality, and appeal. Located within walking distance of the Glenhaven community clubhouse, swimming pool, tennis courts, and Cain Lake, this property offers the perfect combination of recreation, relaxation, and waterfront charm. Don't miss this unique opportunity to own a move-in-ready waterfront home in a highly desirable community!

524 Rainbow Drive, Sedro Woolley

Listing courtesy of Windermere RE Skagit Valley.

$549,900
3 Beds ⋅ 2 Baths ⋅ 2564735 MLS ⋅ ACTIVE Status
Turnkey Investment Opportunity! Better than new, Built in 2022, this well-maintained home offers immediate, dependable rental income with excellent tenants already in place. Current rent is $3,300/month plus utilities, with a lease through September 30, 2027. This 1,734 SF home features 3 bedrooms, 2 bathrooms, an attached 2-car garage, plus driveway parking for two additional vehicles. Located on a quiet cul-de-sac, the fully fenced 8,276 SF lot provides privacy and outdoor space. The open concept floor plan showcases beautiful quartz countertops, stainless steel appliances, walk-in closets, and a convenient laundry area. No HOA. Short term rental and Airbnb ok. Property has never flooded. Ideally located just 5 minutes from downtown Everson, 15 minutes from Bellingham, and approximately 20 minutes from the Canadian border, offering easy access to shopping, dining, schools, and commuter routes. A rare opportunity to own a newer, low-maintenance investment property with strong cash flow already in place.

1112 Falcon Court, Everson

Listing courtesy of HomeSmart One Realty.

$650,000
5 Beds ⋅ 2 Baths ⋅ 2540616 MLS ⋅ ACTIVE Status
Are you looking for a place with some acreage and a home with room to grow in? This three acre rare 5 bdr, 1.75 bath home in the foothills east of Everson is part of a rural community near the former Cloud Mountain Farm. It has been remodeled and updated over time, including newer insulated windows. The roof was just inspected and cleaned, new gutters and a new stove/range & dryer were just installed. Other appliances are also newer. There is a private well and underground water reservoir by the barn & a water treatment system. Plus water from a shared well on the uphill neighbors land. The 5 bdr septic system was recently inspected & repaired with animals fenced out. The Assessor's data shows 2326 sq. ft. and Realist says it's 2700 sq. ft. The attached single garage was used as a workshop. The small barn has a big finished room upstairs. Note the 2500 gallon rain catchment reservoir and EV charger and solar panels connected to the barn. The gentle hillside pasture is fenced and “goat-proofed.” Enjoy the coop for chickens & ducks and gardening with established fruit trees, green house and composting area, and a fenced and screened asparagus garden that’s producing nicely. Recently inspected with many recommended updates completed & satisfactory water test. Buyer to confirm new EV power subscription & PSE solar contract, & Buyer to complete water adjudication application due in 2027. Sold as-is with many useful farm tools and supplies and good neighbors included.

3825 Cabrant Road, Everson

Listing courtesy of RE/MAX Whatcom County, Inc..

$460,750
2 Beds ⋅ 1 Baths ⋅ 2564352 MLS ⋅ ACTIVE Status
Tucked away in the peaceful community of Glenhaven, this charming rustic 2-bedroom, 1-bath cabin offers the perfect blend of nature and comfort. Set on a beautiful lakefront property with access to both Cain Lake and Reed Lake, this home is your private retreat for year-round enjoyment. Cozy up by the wood stove in the main living area or retreat to the lower-level bedroom space featuring a second wood stove—perfect for added warmth and ambiance. Step outside onto the new deck and take in serene water views, wildlife, and the quiet beauty of the Pacific Northwest. The spacious yard offers plenty of room for a firepit, outdoor gatherings, and recreation. A large unfinished basement provides abundant storage or future potential. Whether you're paddle boarding at sunrise, fishing in the afternoon, or unwinding by the water at sunset, this is lake living at its best.

371 Lakeside Drive, Sedro Woolley

Listing courtesy of Windermere RE Whatcom, Inc..

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