Whatcom County Homes with USDA Loan Terms

Whatcom County 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 County Homes with USDA Loan Terms

7120 Valley View Road, Ferndale
$579,000
4 Beds ⋅ 4 Baths ⋅ 2592677 MLS ⋅ ACTIVE Status
This property lives like a private estate with a well maintained, first time on the market home with extra insulation and sturdy 2x6 construction, permitted addition, and large three bay shop on a beautiful lot just under 5 acres. The original home features three bedrooms and two full bathrooms, the addition adds a second primary bedroom with attached ¾ bath, hardwood floors, and separate entrance option with accessibility ramp. The home has a metal roof, updated COREtec floors, and refinished front and back decks. The three bay shop also has a metal roof and office with updated floors and a ¾ bath. The previous owner planted and managed the forested back half of the property that also has a small natural spring and walking trail. The back of the property is fenced with garden space and established Italian plum, pear, apple, and fig trees, while the front has rolling lawns and blueberry bushes. This property has tons of potential for multi-generational single level living, hobby farm, or pure relaxation with easy access to 1-5, just 20 minutes from Bellingham.

7120 Valley View Road, Ferndale

Listing Broker: RE/MAX Whatcom County, Inc.; Emily Wyss; 360-421-4322; emilywyss@remax.net

8262 Gold Run Drive, Maple Falls
$479,000
3 Beds ⋅ 2 Baths ⋅ 2591669 MLS ⋅ ACTIVE Status
Quality built, brand new home in the desirable gated community of Red Mountain View! This beautifully designed 3 bedroom, 1.75 bath home sits on a spacious 10,905 sq. ft. lot and offers the perfect blend of modern style, comfort, and convenience. Inside, you'll find laminate flooring with ceramic tile bathrooms, fabulous kitchen complete with hammered copper sink, island, quality shaker style soft close cabinetry, quartz countertops, and a full stainless steel appliance package. The open dining area leads to a private covered patio, creating a great space for relaxing or entertaining. The primary suite features dual sinks in the ensuite bathroom. Central air conditioning keeps you comfortable year around. Additional highlights include a dream triple car garage with 9 foot tall doors, an electric vehicle charging outlet, home is wired for a generator, and the peace of mind of a one-year builder warranty. Located just 30 minutes from Bellingham and 25 minutes from Lynden, Red Mountain View offers the tranquility of gated community living with breathtaking mountain views, all within easy commuting distance. Don't miss this opportunity to own a beautiful brand-new home in one of the area's newest communities!

8262 Gold Run Drive, Maple Falls

Listing Broker: Weichert Realtors Vanson Assoc; Bret Van Lant; 360-933-0001; Bret@vansonsales.com

2744 Mountain View Road Unit #B, Ferndale
$749,999
2592442 MLS ⋅ ACTIVE Status
Beautiful Serene country charm with city convenience, this duplex is located just minutes from downtown Ferndale & I-5 &5 min to Alta energy company & Philipps refinery. Western University is a close drive,Whether you want to rent both sides or live on one side, the choice is yours! Step outside to your own private patio with aprivacy fence & take in the peaceful surroundings & watch the deer roam among the fruit trees & .Newly painted & roof hasbeen professionally cleaned & treated . Schedule your showing today!

2744 Mountain View Road Unit #B, Ferndale

Listing Broker: Keller Williams South Sound; Jerri Pedersen; 360-786-6900; jerripedersen12@gmail.com

1986 Steelhead Way, Lynden
$1,095,000
5 Beds ⋅ 3 Baths ⋅ 2592875 MLS ⋅ ACTIVE Status
One-of-a-kind architectural residence built by Evergreen Homes in Lynden’s private enclave of Kamm Creek—an exclusive 18-acre community of just 40 homes. Backing directly to protected greenspace, enjoy permanently unobstructed views of the Cascade Mountains. A zero-step entry with stone accents leads through a solid white oak front door into light-filled living spaces. Clean lines, natural wood tones, and custom craftsmanship define every room. The gourmet kitchen features Bosch appliances, locally hand-built cabinetry with inset white oak, full-slab seamless quartz counters and backsplash, plus a walk-in pantry with a beverage fridge, expertly hidden to keep your counters entirely clutter-free. The layout centers around a striking fireplace wall flanked by built-ins, shelving, and a custom mantle. Step through the 12-foot glass slider to a 450 sq ft covered deck with wood ceilings, creating a seamless year-round extension of your indoor living space.The primary offers heated floors, a curbless walk-in shower, and a soaking tub. The functional mudroom/laundry includes floor to ceiling lockers and integrated hamper cubbies. Beneath the main level sits over 1,200 sq ft of lower-level flex space, perfect for a workshop, home gym, art studio, etc. Complete with automated yard irrigation, this home offers low-maintenance luxury at its finest. A true masterpiece in design and craftsmanship that must be seen in person to fully experience every feature.

1986 Steelhead Way, Lynden

Listing Broker: HomeSmart One Realty; Vadim Kotsyuba; 360-483-8034; vadim.kotsyuba@hotmail.com

4258 Northwest Drive, Bellingham
$699,000
3 Beds ⋅ 2 Baths ⋅ 2592134 MLS ⋅ ACTIVE Status
Hobby farm living just minutes from town, this home is a true unicorn. The property delivers the space, character, and lifestyle so sought after without giving up convenience. The backyard is essentially an orchard: mature Crimson Crisp and Gala apple trees, Bartlett pear trees, and Rainier cherry trees offer fresh fruit from summer into fall. A dedicated greenhouse and garden lets you extend the growing season and start seedlings year-round. The versatile shop out back is ready for projects, storage, tools, or just sitting on the deck looking out over the wetland next door.Even the garage of this home is full of surprises. Complete with a built-in stage, it's ready for band practice, jam sessions, open-mic nights, or the ultimate entertaining space. Whether you're a musician, maker, gardener, or simply someone who loves room to spread out, this setup offers flexibility you won't find in a typical neighborhood home. The home has a brand new bathroom right off the garage so your guests can use the lou while they are enjoying a set from your buddies band. The setback from the road creates a peaceful, country-feel retreat with a sense of arrival, yet shopping, dining, trails, and everyday conveniences are just minutes away. Enjoy quiet mornings among the fruit trees, weekends in the shop or greenhouse, and evenings with music filling the garage.

4258 Northwest Drive, Bellingham

Listing Broker: BHHS Bayside Realty; Andrew Shelton; 360-319-1336; andrew@andrewsheltonhomes.com

6130 Sunshine Drive, Ferndale
$449,000
3 Beds ⋅ 1 Baths ⋅ 2592862 MLS ⋅ ACTIVE Status
Move-in ready and full of potential! This single-level 3-bedroom home features fresh interior paint, vinyl plank flooring, and a functional floor plan. The fully fenced backyard and spacious deck provide plenty of room for outdoor enjoyment. Conveniently located in an established Ferndale neighborhood near schools, parks, and shopping. A great opportunity for first-time buyers, investors, or anyone looking for an affordable home with room to make it their own.

6130 Sunshine Drive, Ferndale

Listing Broker: COMPASS; Tony Hoefakker; 360-927-6168; tony.hoefakker@compass.com

1440 Sumas Avenue, Sumas
$430,000
3 Beds ⋅ 2 Baths ⋅ 2592358 MLS ⋅ ACTIVE Status
Well-maintained home on an oversized lot in a convenient Sumas location near the ball fields. This property has been thoughtfully cared for and offers a great combination of indoor and outdoor space. Large windows bring in plenty of natural light, while air conditioning and new appliances add everyday comfort and convenience. A sunroom/greenhouse off the home provides a great space for plants, hobbies, or relaxing year-round. Outside, enjoy a brand-new fenced backyard, large garage, and additional shop/storage shed with plenty of room for projects and storage. The generous lot provides a large yard and extra space between neighbors, with a creek bordering the property. Located on the south side of town with convenient access in and out of Sumas. Property has no history of flooding. A solid, well-kept home with a lot to offer inside and out.

1440 Sumas Avenue, Sumas

Listing Broker: COMPASS; Tony Hoefakker; 360-927-6168; tony.hoefakker@compass.com

1737 Sunup Loop, Bellingham
$489,000
3 Beds ⋅ 2 Baths ⋅ 2585976 MLS ⋅ ACTIVE Status
Like-new townhome in Bellingham’s desirable Sunset Village community! This thoughtfully designed 3-story home offers 3 bedrooms, 1.75 baths, an oversized garage, and modern finishes throughout. The open-concept main level features quartz countertops, crisp white cabinetry, and stainless-steel appliances. Enjoy a convenient location close to shopping, dining, the bus line, and nearby trails. A great opportunity to own a low-maintenance home in a growing Bellingham neighborhood!

1737 Sunup Loop, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #10, Bellingham
$634,900
2 Beds ⋅ 1 Baths ⋅ 2591471 MLS ⋅ ACTIVE Status
Chic, brand-new urban cottage in the new Sunset Commons neighborhood! This light-filled 2-bed, 1-bath home with an upper 255 sqft loft offers effortless open-concept living and modern style throughout. The kitchen pops with quartz counters, full-height tile backsplash, eat-in island, and stainless steel appliances, while the spa-inspired bath features matching quartz finishes and a fully tiled tub/shower. A private oversized garage with upper storage loft is a rare bonus. Enjoy low-maintenance living in Bellingham’s Sunnyland neighborhood, close to I-5 and an easy walk to downtown.

530 E Sunset Drive Unit #10, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

504 12th Street, Bellingham
$1,399,000
3 Beds ⋅ 3 Baths ⋅ 2586018 MLS ⋅ ACTIVE Status
Like-new South Hill townhome offering a refined blend of luxury, thoughtful design, and breathtaking bay views. Inspired by Restoration Hardware, this 3-story residence showcases exceptional craftsmanship, abundant natural light, and elevated finishes throughout. Quartz countertops, custom cabinetry, designer tile, RH fixtures, and premium appliances create a sophisticated, cohesive aesthetic. The open-concept top-floor living space is designed for effortless entertaining, with expansive windows and a walk-out deck overlooking the water. A beautifully appointed primary suite on the main level offers a private retreat with understated elegance. Ideally located just moments from Boulevard Park, Taylor Dock, Fairhaven, and downtown Bellingham, this exceptional home delivers a truly elevated lifestyle in one of the city’s most sought-after neighborhoods.

504 12th Street, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #12, Bellingham
$629,900
2 Beds ⋅ 2 Baths ⋅ 2591461 MLS ⋅ ACTIVE Status
Welcome to your brand-new urban sanctuary in the coveted Sunset Commons neighborhood! This charming 2-story, 2-bedroom, 2-bath cottage boasts open-concept living with sleek modern finishes and an abundance of natural light. The chef-inspired kitchen features quartz countertops, a full-height custom tile backsplash, stainless steel appliances, and an eat-in center island perfect for entertaining. The main-level bedroom is complemented by a beautifully tiled walk-in shower with quartz countertops, while the upstairs primary suite offers an en-suite bathroom with a fully tiled tub/shower and quartz finishes, plus a cozy sitting nook ideal for reading or relaxing. Additional highlights include a private oversized garage with a loft for storage and thoughtful attention to detail throughout. Perfect for those seeking a simpler, modern lifestyle, this home is close to I-5 and within walking distance to downtown Bellingham in the sunny Sunnyland neighborhood.

530 E Sunset Drive Unit #12, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #14, Bellingham
$619,900
2 Beds ⋅ 1 Baths ⋅ 2591441 MLS ⋅ ACTIVE Status
Welcome to your brand-new urban sanctuary in the desirable Sunset Commons neighborhood! This 2-bedroom, 1-bath cottage with an upper 110sqft loft offers bright, open-concept living with sleek modern finishes and abundant natural light. The kitchen impresses with quartz countertops, a full-height custom tile backsplash, and stainless steel appliances. The bathroom features quartz countertops and a fully tiled tub/shower combo. Additional highlights include a private oversized garage with a loft for extra storage. Perfect for those seeking a simpler, modern lifestyle, this charming cottage is close to I-5 and within walking distance to downtown Bellingham in the sunny Sunnyland neighborhood.

530 E Sunset Drive Unit #14, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

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