Bellingham Homes with USDA Loan Terms

Bellingham Homes with USDA Loan Terms

Located in Whatcom County, Washington, Bellingham is a charming city that offers a unique blend of natural beauty and urban amenities. Situated in the Pacific Northwest region of the United States, Bellingham is known for its stunning landscapes, vibrant community, and a wide range of recreational activities.

With its close proximity to the Canadian border and the beautiful Bellingham Bay, residents of this city enjoy easy access to breathtaking views and outdoor adventures. From hiking and biking trails in the nearby Mount Baker-Snoqualmie National Forest to kayaking and paddleboarding on Lake Whatcom, there is no shortage of opportunities to explore the great outdoors.

Bellingham is also home to a thriving downtown area, filled with a variety of shops, restaurants, and entertainment options. Whether you're looking for a cozy café, a trendy boutique, or a lively music venue, you'll find it all in this vibrant city.

One of the advantages of living in Bellingham is the availability of homes with USDA loan terms. The United States Department of Agriculture (USDA) offers loans with favorable terms to help individuals and families purchase homes in eligible rural areas. These loans often come with low-interest rates and flexible credit requirements, making homeownership more accessible for those who qualify.

If you're considering buying a home in Bellingham, exploring the USDA loan options can be a great way to achieve your homeownership goals. With its picturesque surroundings and welcoming community, Bellingham is a wonderful place to call home.

Newest Bellingham Homes with USDA Loan Terms

$1,098,000
3 Beds ⋅ 2 Baths ⋅ 2567693 MLS ⋅ ACTIVE Status
Rare South Bellingham find! Home, additional building & shop on 5 private acres just a short ride to the south entrance of Galbraith Mountain & Lake Padden. And 12 minutes to downtown & Fairhaven. Hiking, biking, lake activities, trails, dining and shopping all just minutes away, while coming home to your own peaceful and private retreat. Quick I-5 access, yet no highway noise on the property. The updated 3 bed, 2 bath, 1,596 SF single-level home features a great layout with vaulted ceilings in the living room, fireplace and fresh updates throughout. Newer roof, paint & floors, plus cement plank siding & Trex decking. Enjoy an ideal mix of sunshine, usable acreage and private treed views in every direction, with plenty of room to garden, entertain, explore or simply relax outdoors. Separate 1,008-square-foot finished building with high ceilings offers incredible flexibility. The space has previously been a granola manufacturing facility, and features an existing commercial kitchen. Ideal for a hobby space, art studio, bike shop, small-scale manufacturing or business use, or potential detached ADU conversion for 2nd home or even for AirBnB income, subject to buyer verification. Xfinity cable high speed internet. Plenty of covered parking with carport & 3-bay detached garage/shop with new roof. A truly rare combination of acreage, privacy, versatility & an active lifestyle.

5010 Samish Way, Bellingham

Listing courtesy of John L. Scott Bellingham.

$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..

$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..

$749,000
3 Beds ⋅ 3 Baths ⋅ 2563729 MLS ⋅ ACTIVE Status
Mountain biking or hiking dream location—just a short pedal from the world-class Galbraith Mountain trail system, with the 241-acre paradise of Whatcom Falls Park just down the street, plus access to a great school cluster. Situated in a quiet, 10-home cul-de-sac within the desirable Whatcom Falls neighborhood, this thoughtfully designed new construction home offers 3 bedrooms and 2.5 bathrooms. This bright home lives large, featuring durable, stylish flooring and large windows throughout that flood every space with natural light. The stunning kitchen boasts shaker cabinets, a large quartz peninsula, a custom tiled backsplash, and new stainless-steel appliances. Unwind by the cozy gas fireplace after a lovely ride on Galby. The primary bedroom suite features dual closets and its own bath with a custom tiled shower and double undermount sinks. Additional house highlights include an energy-efficient heat-pump AC & heat in every room, a spacious 2-car garage pre-wired for EV charging, and an energy-efficient heat-pump water heater. A rare opportunity! Don't wait!

2504 Fireweed Lane, Bellingham

Listing courtesy of List4FlatFee.com, LLC.

$825,000
3 Beds ⋅ 3 Baths ⋅ 2558030 MLS ⋅ ACTIVE Status
Exceptionally maintained rambler on nearly three-quarters of an acre with endless possibilities! Plenty of room for a shop, ADU, RVs, gardens, or whatever you envision. Pull into the driveway lined with mature lilacs, beautiful landscaping, and abundant parking. The fully fenced yard features a wide gate for easy backyard access, a full RV hookup, and water and power to the backyard shed. Step inside to a spacious, light-filled living room with skylights, a GreenSmart gas fireplace, and an open flow into the dining area and kitchen. An expansive deck off the kitchen creates the perfect space for entertaining and connects directly to the bonus room and primary suite. The first guest bedroom offers en suite access to the half bath, while the second sits across the hall from a full bathroom. A generous utility room with pantry storage adds even more functionality. The spacious primary suite features dual closets, an en suite bathroom with dual sinks, and a walk-in shower. Beyond the primary bedroom is a large bonus room with direct deck access, ideal as a second living area, home office, gym, or hobby space. Step outside to enjoy the freshly painted deck, hot tub that conveys, blueberry bushes, garden space, and your own private backyard oasis. Major updates include the furnace, water heater, windows, and roof. Close to schools, shopping, Galbraith Mountain, Whatcom Falls Park, and Lake Padden.

2348 Yew Street Road, Bellingham

Listing courtesy of Keller Williams Western Realty.

$1,200,000
5 Beds ⋅ 4 Baths ⋅ 2555035 MLS ⋅ ACTIVE Status
Occasionally, a storybook home becomes available in one of Whatcom County’s most coveted settings. Tucked off Squalicum Lake Rd at the end of a winding driveway, this beautifully maintained 3,154 sqft 5(!) bed 3.5 bath home sits on 4.77 private acres with views of Squalicum and Stewart mountains. Classic architecture, a welcoming front porch and timeless Pottery Barn-inspired style create an inviting first impression. Inside, the open main level features a spacious living room, sunroom and dining area, and a comfortable kitchen designed for everyday living and entertaining. Radiant heat throughout, supported by a newer boiler and tankless H20 system, ensures year-round comfort. Fresh interior paint and refinished hardwood floors enhance the move-in-ready appeal. Upstairs, the generous primary suite includes a remodeled spa-like bath, while 3 additional bedrooms offer flexibility for guests or office space. The lower level adds a large bonus room, bedroom, full bath and access to the patio and backyard. Recent updates include a new deck, siding, exterior paint, and a newer roof and gutters allowing buyers to settle in with added peace of mind. A large detached garage with high ceilings and unfinished upper level offers potential for a studio or office. Don't miss the playground! Private and peaceful yet convenient, just minutes to Mt Baker Hwy and about 13 minutes to shopping, this special mid-county property offers space, character and versatility in an unforgettable setting.

4134 Squalicum Lake Road, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$625,000
4 Beds ⋅ 2 Baths ⋅ 2537384 MLS ⋅ ACTIVE Status
Bring your ideas and make this spacious home your own! Located in a desirable, Puget neighborhood, this 4-bedroom, 1.75-bath home offers nearly 2,000 sq. ft. of flexible living space. The open great room flows to a huge covered deck, creating the perfect setup for entertaining year-round. New exterior paint. The primary bedroom features a walk-in closet, and the second kitchen provides excellent potential for multi-generational living, guests, or possible rental opportunities (buyer to verify). Enjoy the fully fenced backyard with mature fruit trees and plenty of space to garden, play, or relax. Ideally situated just minutes from WWU, shopping, parks, and trails. Whole Foods is only one block away, with quick access to downtown and I-5 for an easy commute. A fantastic opportunity in a prime location with endless potential!

1025 Nevada Street, Bellingham

Listing courtesy of Bellwether Real Estate.

$625,000
3 Beds ⋅ 3 Baths ⋅ 2548105 MLS ⋅ ACTIVE Status
Looking for space? This home has it! Beyond the 3 bedrooms, the home includes two bonus rooms that work beautifully as home offices, hobby rooms, workout space, or extra storage. The floor plan also features a huge downstairs rec room plus an additional 437-sq-ft loft above the massive 884-sq-ft garage (not included in the home’s assessed square footage). The main living room is the heart of the home, featuring a wood-burning fireplace, vaulted ceilings, and walls of windows that make the space feel bright, open, and connected to the outdoors. There’s storage everywhere, and the oversized garage leaves plenty of room for vehicles, projects, and all the gear that comes with Pacific Northwest living. Situated on a double lot, there’s a large, sunny lawn with room to play, garden, or simply enjoy having some elbow room. The wraparound composite deck, covered hot tub, hillside fire pit, and SVCA-approved tree fort with two slides make this a property that’s just as much fun outside as it is inside. The detached outbuilding was originally built as a sauna and could easily serve as a garden shed, workshop, additional storage, or be converted back into a sauna. Ample parking in the driveway, too! If you’ve been looking for a home that gives everyone a place to spread out, this is the one. Conveniently located just inside Gate 3, you’ll enjoy access to Sudden Valley’s two swimming pools, fitness center, parks, trails, playgrounds, golf course, marina, beaches, and more.

400 Sudden Valley Drive, Bellingham

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

$689,000
4 Beds ⋅ 2 Baths ⋅ 2552375 MLS ⋅ ACTIVE Status
Tucked among mature trees on nearly 5 private acres, this Bellingham property offers a rare sense of space, privacy, and connection to nature. The 4-bedroom, 1.75-bath home offers 2,096 sq ft of comfortable living, with room to garden, gather, explore, and enjoy the freedom of wide-open space for family and pets. Inside, the inviting living room centers around a cozy fireplace and flows seamlessly into the dining area. The expansive kitchen features abundant cabinetry, generous counter space, windows overlooking the yard w/access to the deck. Primary bedroom + 2 bedrooms and 1 bathroom upstairs. The additional 4th bedroom and bonus room downstairs are ideal as a media room, playroom, home office, gym, or guest space. Venture outside to explore trails winding through mature woods, where towering cedar trees provide cool shade, native wildlife visits, and berry & fruit trees offer seasonal snacks. Recent improvements include fresh interior paint, new carpeting, & crawlspace remodel. Check out the detached 2 garage + workshop & unfinished bathroom with potential to convert into an ADU (buyer to verify). Enjoy endless parking for hosting and the perfect canvas to create the hobby farm and garden space you've envisioned. Rarely does a property combine this level of privacy, usable acreage, natural beauty, and future potential.

5810 Mission Road, Bellingham

Listing courtesy of John L. Scott Bellingham.

$558,000
3 Beds ⋅ 3 Baths ⋅ 2516694 MLS ⋅ ACTIVE Status
Discover Modern Green Living at 517 Vista Springs Pl. in Bellingham! Welcome home to this beautifully designed 3-bed, 3-bath residence in Cordata’s sought-after Built Green solar community. Tucked away in a quiet cul-de-sac, this energy-efficient home offers comfort, style, & thoughtful choices. From the moment you enter, you’ll appreciate the bright, open layout featuring 9-foot ceilings in the comfortable great room and laminate flooring. The bright kitchen shines w/ quartz counters, stainless steel appliances, and a gas stove for responsive cooking. A convenient guest bath and spacious garage complete the main level. Upstairs, the primary suite boasts a walk-in closet & private ensuite bathroom. Two additional bedrooms share a full bath, while a convenient laundry area makes daily living effortless. Outside, enjoy a fully fenced backyard—perfect for pets, play, or gardening—plus easy access to community green spaces and a park. Located in one of Bellingham’s most convenient neighborhoods, you’re only a 5-minute drive to Costco, Target, and everyday shopping, and a quick bike ride to Cordata Park with walking trails, basketball courts, and pickleball courts. Whether you’re commuting, or love an active lifestyle, this move-in-ready home delivers the perfect blend of sustainability and modern comfort. Energy-efficient. Thoughtfully upgraded. Lifestyle perfect. Come experience sustainability and beauty.

517 Spring Vista Place, Bellingham

Listing courtesy of Muljat Group.

$949,000
2 Beds ⋅ 1 Baths ⋅ 2444609 MLS ⋅ ACTIVE Status
Charming 1920 farmhouse with endless potential! This 2 bed, 1 bath home sits on a spacious over 4 acre level lot and includes a barn and multiple outbuildings, perfect for storage, hobbies or small scale business. Currently tenant-occupied, this property offers immediate rental income from four additional dwellings while you can occupy the main house. There are two septic systems and two drain fields serving the entire property. The home's vintage character blends with practical functionality, while the barn and additional outbuilding expand its versatility with no HOA. Whether you're seeking an investment, a homestead, or a project to restore, this unique property provides opportunity in every direction. Don't miss out on owning a piece of history with income potential. SOLD AS-IS.

6037 Old Guide Road, Bellingham

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

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