Central Area Homes with FHA Terms

Central Area Homes with FHA Terms

Welcome to the vibrant neighborhood of Central Area in Seattle, Washington. Situated in King County, this diverse and culturally rich community offers a unique blend of history, modern amenities, and a thriving real estate market.

Central Area is a sought-after neighborhood for homebuyers looking to experience the best of city living while enjoying a strong sense of community. With its tree-lined streets, charming cafes, and local boutiques, residents can enjoy a perfect balance of urban convenience and suburban tranquility.

If you are considering purchasing a home in Central Area, you'll be pleased to know that there are options available with FHA terms. This means that qualifying buyers can take advantage of flexible financing options and lower down payment requirements, making homeownership more accessible.

Whether you're looking for a historic craftsman home, a contemporary townhouse, or a cozy apartment, Central Area has a variety of housing options to suit your lifestyle and budget. From first-time homebuyers to seasoned investors, there's something for everyone in this dynamic neighborhood.

Don't miss the opportunity to be a part of this thriving community. Explore the homes available with FHA terms in Central Area and discover the perfect place to call home in Seattle, Washington.

Newest Central Area Homes with FHA Terms

$394,000
3 Beds ⋅ 2 Baths ⋅ 2573459 MLS ⋅ ACTIVE Status
Bring your vision and unlock the potential in this 2-bedroom, 1.5-bath home located in the heart of Seattle. Offeringapproximately 870 sq. ft. across two levels, this property is a great opportunity for an investor, flipper, landlord, or buyerlooking to build sweat equity.Enjoy off-street parking, private outdoor space, and a convenient location near parks, restaurants, cafés, publictransportation, hospitals, and everything the Central District has to offer.Property is being sold as-is and needs work—perfect for someone ready to renovate, customize, and add value. Bring yourcontractor and your ideas!

1915 E Spruce Street Unit #A, Seattle

Listing courtesy of Keller Williams Rlty Bellevue.

$1,185,000
4 Beds ⋅ 3 Baths ⋅ 2570334 MLS ⋅ ACTIVE Status
A beautifully reimagined Central District timeless treasure originally built in 1900 sits elevated above the street with sweeping views of the Seattle City skyline & sensational sunsets. Every detail has been considered in this South facing, light-filled open concept floor plan thoughtfully laid out on 3 levels. This spacious 4-bedroom, 3 bath residence blends timeless charm w/ modern luxury & professionally designed living spaces. Major capital improvements including a new foundation & seismic upgrades were part of a recent fully permitted down to the studs remodel. Including new plumbing & electrical, engineered hardwoods, windows, siding, roof, mini split AC/Heat. The modern Chef’s kitchen has custom cabinetry, Dacor gas cook-top & high-end s/s appliances, gleaming quartz counter tops & large island. The luxurious primary suite includes a spa-like bathroom w/ soaking tub, large quartz-lined shower & walk-in closet. Two additional spacious bedrooms accentuate the second floor adjoining a full-size, modern spa-like bathroom. The ground floor offers MIL potential w/ a 4th bedroom, perfect for multi-generational living & convenient access to the EV-ready garage & separate entrance to the alley. A new deck, separate patio areas, make indoor-outdoor living & entertaining effortless. Located in the vibrant Central District offering an urban lifestyle in the comfort of a quiet residential setting. Minutes to parks, cafes, downtown Seattle & major commuter routes. Pre-Inspected

2216 E Fir Street, Seattle

Listing courtesy of Windermere Real Estate/East.

$1,595,000
3 Beds ⋅ 4 Baths ⋅ 2567333 MLS ⋅ ACTIVE Status
Welcome to this modern home in the heart of Seattle’s Central District. Thoughtfully designed with a clean, NW contemporary feel, this home offers the perfect blend of style, comfort, and everyday livability. The open main living area creates an easy flow for both entertaining and relaxing, while abundant natural light keeps the home feeling bright and cheerful. This one-owner home sits perched on a corner lot with city views that truly sparkle at nighttime. The kitchen is a chef’s kiss, featuring a generous island and easy access to the backyard patio perfect for morning coffee or summer BBQs. With three bedrooms up, each featuring its own ensuite bath, everyone gets a little privacy and their own space. Newly installed mini-splits add year-round comfort and efficiency. And then there’s the location. Set in one of Seattle’s most vibrant and evolving neighborhoods, you’re close to some of the city’s best restaurants, coffee shops, parks, neighborhood favorites, and everything the Central District has to offer. Whether you’re heading downtown, over to Capitol Hill, or simply enjoying the neighborhood, this is an ideal home base. Come see it for yourself—you’ll want to call this one HOME!

1620 E Alder Street, Seattle

Listing courtesy of Windermere Real Estate Co..

$799,000
3 Beds ⋅ 3 Baths ⋅ 2564589 MLS ⋅ ACTIVE Status
Special Financing available, No Downpayment options for qualified borrowers! Modern living in the heart of Seattle's Central District, brand-new 4-unit townhome community. Each unit features sleek, contemporary designs with open-concept layouts, high-end finishes, and abundant natural light. Enjoy spacious living areas, gourmet kitchens with stainless steel appliances, heated bathroom floors and private rooftop decks perfect for relaxation. Located just minutes from downtown Seattle, 92 walk score to vibrant local shops, restaurants, and parks, this development combines urban convenience with stylish comfort. Experience the best of city living in a thoughtfully designed, eco-friendly environment.

117 22nd Avenue Unit #B, Seattle

Listing courtesy of Berkshire Hathaway HS NW.

$879,000
3 Beds ⋅ 3 Baths ⋅ 2564645 MLS ⋅ ACTIVE Status
Special Financing available, No Downpayment options for qualified borrowers! Modern living in the heart of Seattle's Central District. Each unit features sleek, contemporary designs with open-concept layouts, high-end finishes, and abundant natural light. Enjoy spacious living areas, gourmet kitchens with stainless steel appliances, heated bathroom floors and private rooftop decks perfect for relaxation. Located just minutes from downtown Seattle, with easy access to vibrant local shops, restaurants, and parks, this development combines urban convenience with stylish comfort. Experience the best of city living in a thoughtfully designed, eco-friendly environment.

115 22nd Avenue Unit #A, Seattle

Listing courtesy of Berkshire Hathaway HS NW.

$949,950
4 Beds ⋅ 4 Baths ⋅ 2555351 MLS ⋅ ACTIVE Status
In a city where townhomes often ask you to choose between space, function, and location, this Central District home lets you have it all! Set on a quiet residential street, this end-unit offers 4 true bedrooms, 3.5 baths, and a thoughtfully designed floor plan that lives more like a house than a townhome. The main level features airy, open-concept living and a beautifully remodeled kitchen with quartz countertops, stainless steel appliances, gas cooking, ample prep space, and abundant storage. Upstairs, you'll find two bedrooms and a remodeled full bath. The primary suite with vaulted ceilings is a retreat of its own, complete with a spa-inspired 5-piece bath, walk-in closet, and private balcony. The versatile lower-level junior suite with its own en-suite bath is ideal for guests, multigen living, or home office. Other highlights include fresh interior paint, new carpet, A/C, an oversized 1-car garage, and a private fenced patio perfect for summer BBQs. Prime location near the light rail, Seattle U, Capitol Hill, SLU + DT Seattle. No HOA dues! Welcome home!

2022 E Terrace Street, Seattle

Listing courtesy of Berkshire Hathaway HS NW.

$799,000
2 Beds ⋅ 3 Baths ⋅ 2558842 MLS ⋅ ACTIVE Status
Unmatched Views Meets Unbeatable Convenience Sweeping views of Madison Valley and The Cascades create the ultimate backdrop for entertaining on your spacious rooftop deck. This energy efficient townhouse pairs modern luxury with year-round comfort—featuring A/C throughout the house for summer and cozy radiant heat for winter. Inside, enjoy a swanky kitchen, vibrant flooring with new carpet, a fresh coat of interior paint, and dual upper-level en suite bedrooms offering maximum flexibility. Parking is effortless with your dedicated space—though you’ll rarely need the car! Step outside to enjoy easy access to Metro bus routes, or take short stroll to neighborhood coffee spots, top-rated restaurants, vibrant bars, and lush parks perfect for playing with the pup.

1806 25th Avenue Unit #A, Seattle

Listing courtesy of View Luxury Estates.

$750,000
3 Beds ⋅ 3 Baths ⋅ 2554914 MLS ⋅ ACTIVE Status
Style meets eco-friendly comfort in this sophisticated 4-Star Built Green townhome! Its great room layout feels airy and bright with tall windows rising to lofty ceilings on every floor. Relax by the fireside in the integrated living and dining area. Beyond, the open kitchen makes cooking a breeze with its sleek stainless appliances, European-inspired cabinetry, and quartz countertops. Enjoy the efficient hydronic system with tankless water heater and the radiant heated concrete floors to warm your toes in winter, while mini splits keep you cool all summer long. Step out to your private patio, or head upstairs for parties on the sunny rooftop deck with a handy water spigot and troughs that stay for easy container gardening. If you want to up the gardening game, you will love being able to harvest fresh produce from your sidewalk planting troughs or visit the nearby community garden. At the end of the day, your top-floor primary suite awaits you with a custom walk-in closet and spa-inspired bath. Two more bedrooms, jack-n-jill full bath plus convenient upstairs laundry complete this just-right home. Your low-maintenance lifestyle includes dedicated parking and no homeowner's dues. Stroll to Swedish Hospital, the high school, coffee, parks, dining, and night life from this central location. Great bike and transit access to downtown, too! Home is freshly painted inside and out, inspected, and all ready for its new owners. Great location, great home and all at a great price!

310 21st Avenue Unit #A, Seattle

Listing courtesy of Windermere Mercer Island.

$749,000
3 Beds ⋅ 3 Baths ⋅ 2552414 MLS ⋅ ACTIVE Status
Rare opportunity in the Central District: a stunning modern 3-bed/2.5-bath townhome overlooking Pratt Park, offering 1,501 square feet of light-filled, move-in-ready living, among the largest in its class in the neighborhood. Built in 2018 with an open-concept main floor, hardwood floors, mini-split A/C, in-unit laundry, and a full appliance package. The private rooftop deck is the standout: unobstructed downtown skyline views and the best seat in the house for summer evenings. Directly across from Pratt Park, with green space and the spraypark at your doorstep. Just a short walk to the brand-new Judkins Park light rail station (2 Line, opened March 2026): about 10 minutes to downtown by train and a direct connection across the lake to Bellevue and Redmond. Minutes to Capitol Hill, I-5 and I-90. Convenient unrestricted street parking with no permit required and no time limits, plus monthly off-street parking available to rent nearby for those who prefer a dedicated space. An optional fully furnished package is available, so the right buyer can move in without lifting a finger. No shopping, no hassle, ready to go.

210 20th Avenue S, Seattle

Listing courtesy of Real Broker LLC.

$670,000
2 Beds ⋅ 3 Baths ⋅ 2545424 MLS ⋅ ACTIVE Status
Excellent opportunity in the heart of Seattle! Tucked down a tree-lined street on Cherry Hill, this end unit townhome offers a rare garage, garden space and refinished rooftop deck overlooking the Seattle skyline...all with no HOA dues. A brand new roof and fresh interior paint mean you can move right in. Enjoy entertaining and everyday living in the large bright, open layout with a fireside living room and genuine hardwood floors flowing into the integrated dining area and kitchen. Cooks will love the stainless-steel appliances and ample shaker-style cabinets. Upstairs, two generous bedrooms each include their own full en-suite bathrooms. Head downstairs where a den/office provides the perfect spot to work from home or flex space for hobbies or exercise. Enjoy a private oasis in the newly fenced patio and garden area with space for outside dining or head to your own rooftop deck for sun drenched city views and nighttime firework viewing. This home offers both types of outdoor spaces as well as larger living spaces on the inside. Main floor laundry space and a tankless water heater/boiler system delivers hydronic radiant heating throughout. Great rental potential with a central location near Swedish Hospital, the light rail station, freeway access, and minutes to all that Downtown Seattle has to offer. Walk to the neighborhood garden and nearby parks, markets, dining, and coffee shops.

158 15th Avenue Unit #B, Seattle

Listing courtesy of Windermere Mercer Island.

$599,000
3 Beds ⋅ 3 Baths ⋅ 2547204 MLS ⋅ ACTIVE Status
Nestled in Seattle’s vibrant Central District, this inviting two-story home with a downstairs den/office offers comfort, style, and unbeatable convenience—minutes from downtown and the light rail. The open, flowing floor plan fills the space with natural light. With 3 bedrooms and 2.5 baths, including a spacious primary suite, the main level features a bright living room. The downstairs den/office adds versatile flexibility for work, media, or guests. Outside, enjoy grilling and relaxation in convenient outdoor spaces, all within a walkable, amenity-rich neighborhood with easy transit access. This central location combines convenience with a welcoming, neighborhood feel, making it an ideal urban retreat in Seattle’s iconic Central District.

501 23rd Avenue S Unit #C3, Seattle

Listing courtesy of Coldwell Banker Bain.

$950,000
3 Beds ⋅ 3 Baths ⋅ 2546417 MLS ⋅ ACTIVE Status
Fully permitted Craftsman with extensive updates and future development potential. Permits include new mechanicals, framing, drainage, and seismic retrofitting. Remodeled kitchen features new cabinets, quartz countertops, stainless steel appliances, and designer tile. New flooring throughout. Bathrooms updated with new fixtures, vanities, tile floors, tile surrounds, and a custom mud pan in the primary bath. Main level includes two bedrooms and 1.75 baths. Lower level offers an additional bedroom, bath, laundry, and bonus space. Upper level features a dedicated office and attic with excellent ceiling height for future expansion. Exterior upgrades include new sod, landscaped beds, paver patio, off-alley parking pad, and a detached studio shed ideal for a home office or flex space. LR zoning allows potential for one to two additional units at rear of property (buyer to verify). Feasibility study completed and available upon request.

715 27th Avenue, Seattle

Listing courtesy of Heaton Dainard, LLC.

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