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

$675,000
4 Beds ⋅ 3 Baths ⋅ 2580271 MLS ⋅ ACTIVE Status
Meticulously maintained and beautifully updated in the desirable Meadows neighborhood! This 4-bedroom, 2.5 bath home offers a hard-to-find layout with all four bedrooms on the main level, plus a spacious bonus room above the garage. The updated kitchen features custom European-style cabinetry, quartz countertops, tiled backsplash, walk-in pantry, and a newer appliance package still under warranty. LVP flooring, large windows, and a cozy gas fireplace complement the bright and inviting living spaces. The private primary suite features a walk-in closet, bath with a walk-in shower, and direct access to the backyard deck. Step outside to a beautifully maintained, fully fenced backyard with lush grass, mature trees, walkways, a fire pit, and an expansive deck with covered and open spaces for entertaining. Conveniently located near schools and The Meadows’ neighborhood walking trails. Pre-inspection available. Potential assumable FHA loan at 3.6%, subject to lender approval and buyer qualification. Buyer to verify loan balance, interest rate, eligibility, and all assumption terms. Ask about available buyer financing incentives through the preferred lender, which may provide significant savings. Buyer is not required to use the preferred lender.

5958 Monument Drive, Ferndale

Listing Broker: eXp Realty; Art Sheyko; 360-961-6646; art@blu.ink

$825,000
4 Beds ⋅ 2 Baths ⋅ 2562257 MLS ⋅ ACTIVE Status
Nearly impossible to duplicate, this enchanting 5.11-acre park-like estate offering the perfect blend of privacy, functionality, and convenience just minutes from downtown Blaine. This rare property features a one story, no-stairs rambler, a 32' x 20' timber-built horse barn, and approximately 3 acres of mature & old growth trees creating your own private retreat. The light-filled 4-bedroom + den/office (can live like a 5th bedroom) home showcases a timeless mid-century modern feel with new carpet, spacious living areas, a wood-burning fireplace and an detached 2-car garage. Step outside to the expansive rear patio overlooking the peaceful grounds, playset, and custom built bridge crossing a seasonal creek—ideal for entertaining, relaxing, or simply enjoying nature. Spacious driveway provide outstanding flexibility with abundant parking for vehicles, boats, RVs, or equipment. High-speed internet is available, making it easy to work from home while enjoying a tranquil country setting. Neighboring chocolate & cookie factories can fill the air with fresh baked & chocolatey aromas to delight the senses. Ideally situated just minutes from downtown Blaine, schools, shopping, dining, the waterfront, I-5, and the U.S./Canada border. A rare opportunity to live, work, and play on one of Blaine's most special acreage properties.

4416 Sweet Road, Blaine

Listing Broker: Keller Williams Western Realty; Nick Berard; 360-770-3245; nickberard@kw.com

$519,900
3 Beds ⋅ 2 Baths ⋅ 2564735 MLS ⋅ ACTIVE Status
Location Location Location! Turnkey key! Better than new, Built in 2022. 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. House will be vacant Oct 1st.

1112 Falcon Court, Everson

Listing Broker: HomeSmart One Realty; Eleni Kyriazis; 360-224-9094; elenikhomes@gmail.com

$995,000
4 Beds ⋅ 3 Baths ⋅ 2560693 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-Bedroom, 2.5-bath home in the highly desirable Spyglass Estates. This a spacious great room concept home features custom built-ins, a well-appointed kitchen with granite countertops and high-end appliances, and primary suite with a walk-in closet. Enjoy year-round comfort with central air conditioning and take in peaceful water and sunset views. The fully fenced backyard backs up to a greenbelt, offering added privacy. Conveniently located within walking distance of Barkley Village and also have easy access to restaurants, Haggen grocery store, shopping, banks, a movie theater, and nearby walking and biking trails. This home combines comfort, convenience, and an exceptional location & opportunity in one of the area’s most sought-after neighborhoods.

3336 Stonecrop Way, Bellingham

Listing Broker: John L. Scott Bellingham; Kim Kwon; 360-927-1035; kimandjoe9@gmail.com

$799,950
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 Broker: John L. Scott Bellingham; Paul Balzotti; 360-920-5901; paulbalzotti@johnlscott.com

$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 Broker: Windermere RE Whatcom, Inc.; Julie M Brown; 360-255-3727; juliebrown@windermere.com

$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 $462,000. 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 Broker: RJR Real Estate Inc.; Julie Carney; 360-815-3432; rjrre@aol.com

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