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

$724,900
3 Beds ⋅ 3 Baths ⋅ 2563213 MLS ⋅ ACTIVE Status
Welcome home to this shy 4,000 sq ft home on just over 13,000 sq ft parcel in sought after Village neighborhood! They truly do not make homes like they used to - well-appointed layout for entertaining, an abundance of built-in storage/cabinets and closets, Anderson wood awning windows, etc. One owner home, first time on market, looking for buyer with Pinterest boards ready to go. One story rambler w/owner's suite (inc walk-in closet, vanity & semi-shared full bath), 2nd bdrm, ginormous living room w/french doors, great size dining off kitchen, sitting room & sunroom) plus full-size basement! Endless possibilities in spacious open rec room of basement, plus 3rd bdrm including ensuite 3/4

508 17th Street, Lynden

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

$679,900
5 Beds ⋅ 3 Baths ⋅ 2561045 MLS ⋅ ACTIVE Status
Nestled in the heart of Birch Bay, this inviting home offers the perfect blend of coastal living, natural beauty, and everyday comfort. Enjoy private beach access with deeded beach rights, making it easy to spend your days strolling the shoreline, kayaking, beachcombing, or simply enjoying the waterfront lifestyle. This spacious home is designed for comfortable living and entertaining, featuring multiple gathering areas, a kitchen with a large island, and the convenience of a main-floor bedroom, ideal for guests or multi-generational living. A three-car garage provides ample space for vehicles and recreational gear. Step outside to enjoy several patios and a fully fenced backyard with a storage shed, creating the perfect setting for outdoor entertaining, gardening, or relaxing in the fresh coastal air. Take in filtered bay views from the rooftop deck, the perfect spot for sunsets, morning coffee, or evening stargazing. Located in a peaceful neighborhood, this home offers a relaxing escape while remaining close to everything Birch Bay has to offer. Nature lovers will appreciate the scenic walking trails just steps away, providing year-round recreation and opportunities to enjoy the area's wildlife and surroundings. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, this exceptional property captures the best of Pacific Northwest coastal living with private beach access and beautiful bay views.

6994 Helweg Lane, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$512,500
3 Beds ⋅ 2 Baths ⋅ 2562297 MLS ⋅ ACTIVE Status
Escape to your own private retreat in the sought-after Glenhaven Lakes community. This beautifully maintained single-level home offers an open and inviting layout designed for comfortable everyday living. The spacious floor plan features a welcoming family room with a cozy wood-burning fireplace, dining area, separate living room, and a large kitchen that serves as the heart of the home. Enjoy cooking with the gas cooktop while taking advantage of abundant counter space, pantry storage, peninsula seating, skylights, and oversized windows that fill the home with natural light. The primary suite provides a walk-in closet and bath featuring a walk-in shower. Thoughtful upgrades throughout the home include a newer roof, instant hot water, and beautiful bamboo flooring. Step outside and discover a truly special backyard oasis. Mature landscaping surrounds a large pond with fish, while tiered Japanese-inspired gardens, trellised sitting areas, and winding pathways create a serene setting to relax and unwind. The expansive wraparound deck includes a covered section, while the large grassy yard offers plenty of space for pets, play, or entertaining guests. Additional features include a storage shed, backyard storage area, two-car garage, RV parking, and gated access to the backyard. Enjoy all that Glenhaven Lakes has to offer, including a stocked lake, boat launches, swimming pool, clubhouse, parks, trails, playgrounds, and sports courts, with easy access to I-5 and Lake Whatcom.

3046 Glenhaven Drive, Sedro Woolley

Listing courtesy of Keller Williams Western Realty.

$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.

$349,000
2 Beds ⋅ 2 Baths ⋅ 2562474 MLS ⋅ ACTIVE Status
Opportunity knocks on 2.68 acres of flat, cleared land just 5 minutes outside Everson — under 30 minutes from Bellingham — with a stunning view of the Sumas Mountains. This 1,551 sq ft, 2-bedroom, 2-bath home features a main-floor primary bedroom, light-filled family room, spacious kitchen, attached garage, and easy potential to finish an additional bedroom upstairs. Outside, the property shines. Sitting on a quiet road, pick from mature fruit trees, blueberry bushes, and established garden beds. A large enclosed shop plus an additional outbuilding offer plenty of room for toys, tools, and machinery. This well-cared for property is AG-zoned, with usable, level ground ready for the next hobbyist’s vision to come to life. Incredible value for acreage — you don’t want to miss this one.

7624 Oat Coles Road, Everson

Listing courtesy of eXp Realty.

$559,998
3 Beds ⋅ 2 Baths ⋅ 2562330 MLS ⋅ ACTIVE Status
Tucked into a quiet Ferndale cul-de-sac, this move-in ready 1,280 sq ft rambler offers 3 bedrooms, 1.75 bathrooms, and the ease of single-level living. It’s a great fit for a first-time buyer or anyone looking for a home that feels a little simpler and easier to maintain without giving up outdoor space. Recent updates throughout the property include brand-new siding, fresh exterior paint, new windows and trim, updated light fixtures and ceiling fans, and refreshed kitchen cabinetry that gives the heart of the home a clean, updated feel. Warm wood detailing in the entry adds character as soon as you walk inside. The oversized garage provides plenty of additional room, including a dedicated workbench area for projects, tools, and extra storage. Out back, the new concrete patio, deck, and gazebo create an inviting place to enjoy summer dinners, morning coffee, or quiet evenings while taking in views of Mt. Baker from your own backyard. A new storage shed adds extra functionality, while gravel parking along the side of the home provides additional space for vehicles, a trailer, or recreational toys. Located just minutes from downtown Ferndale, everyday amenities, and the new Ferndale High School, this home offers a peaceful setting with the convenience of town close by.

5868 Sherry Place, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$589,000
3 Beds ⋅ 2 Baths ⋅ 2561256 MLS ⋅ ACTIVE Status
Luxury meets everyday comfort in this stunning new construction rambler featuring 3 bedrooms, 2 bathrooms, and designer finishes throughout. The spacious open floor plan is highlighted by a dramatic floor-to-ceiling fireplace feature wall and an exceptional chef's kitchen with quartz countertops, custom two-tone cabinetry, under-cabinet lighting, premium appliances, and an oversized island. The private primary suite offers a spa-like escape with a generous walk-in closet complete with custom shelving, dual-sink vanity, abundant storage, and an elegant custom tile shower. Enjoy indoor-outdoor living from the covered patio overlooking the fully fenced backyard with mountain views. Located in a beautiful new neighborhood, this home blends timeless craftsmanship with today's most sought-after finishes.

416 W 4th Street, Everson

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

$354,900
3 Beds ⋅ 2 Baths ⋅ 2561224 MLS ⋅ ACTIVE Status
Move-in ready end-unit townhome in Blaine! This beautifully updated 3-bedroom, 1.5-bath home features luxury vinyl plank flooring throughout, a freshly painted interior, brand-new kitchen appliances, and a new deck perfect for relaxing or entertaining. The bright, functional floor plan offers comfortable living with abundant natural light. Enjoy a fully fenced backyard, storage shed, and attached one-car garage. The end-unit location provides added privacy and extra outdoor space. Conveniently located just minutes from downtown Blaine's waterfront, marina, parks, restaurants, and shops, with easy access to Semiahmoo, Birch Bay, I-5, and the Canadian border. Whether you're looking for a primary residence, first home, or investment property, this turnkey home is ready for its new owners!

1047 Adelia Street, Blaine

Listing courtesy of Buck Real Estate.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2560340 MLS ⋅ ACTIVE Status
Single-level living in Birch Bay! Built in 2001, this 3-bedroom, 1.5 -bath rambler offers 1,088 sq ft of easy one-floor comfort on a level 9,583 sq ft lot. The open living and dining area is filled with natural light from oversized windows overlooking mature landscaping, and flows to a kitchen with abundant oak cabinetry, gas range, breakfast bar island, and a charming stained glass accent window. Three comfortable bedrooms and a full bath complete the practical floor plan. Step outside to a standout backyard — fully fenced, level, and framed by towering cedars, with raised garden beds, a storage shed, and plenty of room to play, garden, or entertain. The attached 2-car garage includes a built-in workbench and generous shelving for projects and storage. Sewer connected, natural gas, paved street and sidewalks in an established neighborhood. Minutes to Birch Bay State Park, the beach, golf, and dining, with quick access to Blaine, Ferndale, Bellingham, and the Canadian border. Solid bones and a great layout.

4789 Bayshore Drive, Blaine

Listing courtesy of Muljat Group.

$1,025,000
4 Beds ⋅ 3 Baths ⋅ 2561008 MLS ⋅ ACTIVE Status
Tucked away at the end of a peaceful cul-de-sac, this home perfectly balances timeless charm with the high-end functionality today’s lifestyle demands. From the moment you step inside, the soaring cathedral ceilings and effortless flow create an atmosphere that is both grand & welcoming. The heart of the home is a chef-inspired kitchen: natural stone countertops, gas range and a generous walk-in pantry for effortless organization. Whether you're hosting a party or enjoying a quiet night in, the space transitions seamlessly to the rest of the main floor. The primary suite serves as a true sanctuary, complete with a/walk-in closet, spa-like ensuite w/a deep soaking tub and glass-walled shower. Four well-sized bedrooms plus a versatile office that can serve as a 5th bedroom, there is plenty of space for your specific needs. Outside, the backyard has been meticulously designed for year-round enjoyment. Start your mornings with a coffee and a book on the back deck, and end your evenings retreating to the hot tub, nestled behind a privacy wall for ultimate relaxation. Storage shed & the garage is ready for EV charging. Location is everything, and this home delivers. You’re perfectly positioned to enjoy the amenities of Barkley Village, along with easy access to extensive trail systems, and the public beach access at Lake Whatcom. Pre-inspected and maintained to perfection, this is a move-in-ready opportunity to live the lifestyle you’ve been dreaming of.

1460 Sunnybrook Lane, Bellingham

Listing courtesy of COMPASS.

$449,950
3 Beds ⋅ 2 Baths ⋅ 2560386 MLS ⋅ ACTIVE Status
Bring your boat and kayaks and enjoy this amazing location, just down from the boat launch and Ferry. Beautifully recent remodeled 3 bed, 2 bath home. Just across the street from the Hale Passage at Gooseberry Point. Great room concept home with newer cabinets, quartz cabinets, stainless steel appliances and LVP flooring. Large lot with outbuildings and mostly fenced yard, plenty of room for RV and garden space. New roof in 2024.

2612 Lummi View Drive, Bellingham

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$899,900
4 Beds ⋅ 6 Baths ⋅ 2560322 MLS ⋅ ACTIVE Status
Beautifully restored 1900 Victorian estate lovingly & meticulously renovated over a decade. This one-of-a-kind property is just waiting to be discovered. Major improvements include updated electrical & plumbing, high-efficiency Navien on-demand water heater, two gas furnaces, a jetted spa-like tub, premium Toto toilets, modern foundation, CertainTeed Presidential roof, and newly installed front privacy fence. EACH BEDROOM HAS ITS OWN ENSUITE BATHROOM making the home well suited for multi-generational living, extended guests, hospitality use, or private retreats. The LEVEL ACREAGE has plenty of space to build a barn, shop, or ADU etc. Opportunity to upgrade septic capacity by 50% with county approval, allowing for 2 additional bedrooms giving INSTANT EQUITY and increasing the home to 6 bedrooms total! Zoning allows for a range of conditional uses such as a B&B, Boutique Hospitality Venture, Retreat Center, Educational Facility, Religious Organization, Daycare/care Facility, Nursery or Greenhouse Operation, Hobby Farm, Homestead, Home-based Business; the possibilities are endless. Located less than 20 mins to Bellingham International Airport & downtown, ~1 hour to Vancouver, BC, and ~90 mins to Seattle. OWNER FINANCING AVAILABLE! Inspection report and septic report available upon request. Over $1,000 worth of period-appropriate wallpaper and giant antique armoire upstairs goes with the sale. Buyer to verify all information.

1371 W Axton Road, Ferndale

Listing courtesy of Sterling Real Estate Group.

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