Downtown Homes with FHA Terms

Downtown Homes with FHA Terms

Welcome to Downtown, a vibrant neighborhood located in the heart of Washington state. Known for its bustling streets, diverse culture, and endless entertainment options, Downtown is the place to be for those seeking an exciting urban lifestyle.

Situated in the beautiful state of Washington, Downtown offers a unique blend of historic charm and modern amenities. With its prime location, residents have convenient access to top-notch schools, healthcare facilities, and a plethora of shopping and dining options.

One of the many advantages of living in Downtown is the availability of homes with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible, especially for first-time buyers. These loans offer lower down payment requirements and more flexible credit qualifications, making it easier for individuals and families to achieve their dream of owning a home in Downtown.

Whether you're looking for a cozy apartment, a stylish townhouse, or a spacious family home, Downtown has a wide range of options to suit every taste and budget. From sleek high-rise condos with stunning city views to charming historic houses with character, there is something for everyone in this vibrant neighborhood.

So, if you're looking to immerse yourself in the energy and excitement of city living while enjoying the benefits of FHA terms, Downtown is the perfect place to call home. Don't miss out on the opportunity to be a part of this thriving community and explore all that Downtown has to offer.

Newest Downtown Homes with FHA Terms

$850,000
2 Beds ⋅ 2 Baths ⋅ 2571417 MLS ⋅ ACTIVE Status
Welcome to Waterfront Landings, ideally situated along Seattle’s downtown waterfront with Pike Place Market, the Aquarium, Overlook Walk, restaurants, shopping, stadiums, ferries and more just outside your door. This spacious 2-bedroom condo features large windows that fill the space with natural light while capturing views of the surrounding city and waterfront. The kitchen offers generous counter and cabinet space, while ample storage throughout provides plenty of room to settle in. Enjoy resort-style community amenities including 24/7 concierge and security, fitness center, hot tub, guest suite, club room, hobby room and rooftop BBQ deck. An incredibly walkable location with the best of downtown Seattle and waterfront living right at your doorstep.

1900 Alaskan Way Unit #504, Seattle

Listing courtesy of Windermere Real Estate/M2, LLC.

$1,750,000
3 Beds ⋅ 4 Baths ⋅ 2571435 MLS ⋅ ACTIVE Status
A city view balcony for morning coffee, a walk to dinner instead of a drive & downtown Kirkland's energy right outside the door, this home offers a lifestyle as much as a floor plan. 2,660 square feet host 3 bedrooms & 3.25 baths across a bright, open layout. The gourmet kitchen showcases stainless steel appliances, a walk in pantry & ample storage, flowing seamlessly to a private back patio ideal for bbqs & entertaining. Upstairs, the primary suite impresses with a private deck overlooking city scapes, a 5 piece bath with dual sided fireplace & a spacious walk in closet. A full hall bath & 2 additional bedrooms complete the upper level. The lower level bonus room offers a 3/4 bath & large walk in closet, ideal as a guest suite or flexible living space. A 2 car garage with EV charger and extra storage completes this home. Enjoy unmatched access to downtown Kirkland's vibrant dining, shopping & waterfront parks, with easy access to Interstate 405 & 520 & a central location to all major employers, all within the award winning Lake Washington School District.

20 6th Street, Kirkland

Listing courtesy of COMPASS.

$2,699,000
3 Beds ⋅ 3 Baths ⋅ 2571621 MLS ⋅ ACTIVE Status
Positioned on the coveted southwest corner of The Emerald, this extraordinary 1,770-square-foot residence showcases panoramic vistas stretching from Puget Sound to the Olympic Mountains, delivering spectacular sunsets night after night. Anchoring the experience is a striking view of Mount Rainier—perfectly framed from every room and serving as a constant reminder of the Pacific Northwest's natural beauty. Soaring 12-foot ceilings and walls of glass amplify the sense of scale, filling the home with natural light and creating a seamless connection between the interior and the landscape beyond. The open-concept living spaces flow effortlessly into a designer kitchen appointed with Miele appliances and an oversized island designed for gathering. With three bedrooms, three bathrooms, and one parking space, this is a rare opportunity to own one of The Emerald's most sought-after floorplans—where Seattle's skyline, water, mountains, and sunsets become part of everyday life. Residents enjoy access to The Emerald's collection of luxury amenities, including a full-floor fitness center, yoga studio, pet run and pet spa, guest suite, private event spaces, co-working lounges, and a spectacular rooftop retreat complete with indoor and outdoor entertaining areas. Located in the heart of downtown Seattle, you're just moments from Pike Place Market, the waterfront, world-class dining, sporting events, and the city's premier arts and cultural destinations.

121 Stewart Street Unit #3704, Seattle

Listing courtesy of COMPASS.

$5,890,000
4 Beds ⋅ 5 Baths ⋅ 2571617 MLS ⋅ ACTIVE Status
A once-in-a-generation, true one-of-one opportunity to create one of Seattle’s most extraordinary private residences. Spanning the entire coveted western exposure of The Emerald's 37th floor, this remarkable offering will combine neighboring two-bedroom and three-bedroom residences, creating the potential for a bespoke 4-bedroom, 4.5-bath home encompassing 3,371 square feet with panoramic views stretching from the Space Needle to Mount Rainier, while capturing breathtaking sunsets over Puget Sound and the Olympic Mountains. A significant portion of the groundwork necessary to create a unified residence has already been completed through amendments to the condominium declaration, allowing the next owner to focus on bringing their vision to life. Renowned Seattle architecture firm Olson Kundig was engaged to envision the residence’s full potential, creating a sophisticated concept that transforms the space into an estate-scale home in the sky. The featured renderings and floorplans illustrate this vision. Buyers may choose to pursue the Olson Kundig concept or create a custom design uniquely their own. Physical integration of the residences remains to be completed by the purchaser and may be subject to any required approvals. When realized, this residence will represent one of the most significant homes in downtown Seattle—offering house-scale living, unrivaled view frontage, and a level of privacy and scale rarely available in a luxury high-rise.

121 Stewart Street Unit #3700, Seattle

Listing courtesy of COMPASS.

$875,000
2 Beds ⋅ 2 Baths ⋅ 2570193 MLS ⋅ ACTIVE Status
Luxurious condo living in the heart of Downtown Bellevue! Spacious, bright & open floor plan with city views through a wall of windows. Large 2 bed/1.75 bath + den offers approx. 1,413 sq ft of comfortable living space. Beautifully remodeled with newer flooring, fresh paint, quartz countertops and stylish updates throughout. Enjoy incredible building amenities including 24/7 concierge, fantastic fitness center, indoor pool/sauna, conference/party room with full kitchen, rooftop terrace & BBQ area. HOA dues cover water/sewer, garbage, heating and central AC, earthquake insurance, cable TV & high-speed internet. Secured garage parking plus rare 10 free courtyard parking spaces for guests. One secure underground parking space included, with guest parking on-site. Step outside and Bellevue's best awaits. Walk to Amazon and Microsoft campuses, Bellevue Square's 200+ shops, award-winning restaurants, Downtown Park's fountains and gardens, grocery stores, and light rail access. Less time maintaining. More time living.Unbeatable downtown location — walk to parks, museums, fine dining, Bellevue Square, Lincoln Square, shopping & entertainment. Walk Score 94, award-winning Bellevue schools, minutes to freeway access & East Link light rail. NO rental cap!-AMAZING Value!!

177 107th Avenue NE Unit #809, Bellevue

Listing courtesy of Windermere Bellevue Commons.

$540,000
2 Beds ⋅ 2 Baths ⋅ 2568778 MLS ⋅ ACTIVE Status
[BRAND NEW + A PATH TO HOMEOWNERSHIP] Skip the apartment + step into something of your own. This BRAND NEW 2-bedroom + BONUS ROOM home offers a fresh + modern alternative to condo living without the BIG HOA FEES that often come with larger buildings. The builder prioritized QUALITY throughout with thoughtfully selected finishes that stand out from the typical new construction + give the home a polished feel from the moment you walk in. The bright open layout features a modern kitchen + STYLISH details + plenty of NATURAL light. Upstairs you’ll find two bedrooms + a versatile BONUS ROOM perfect for a home office + workout space + guests. An ATTACHED GARAGE + ADDITIONAL PARKING SPACE gives you TWO TOTAL parking spots. Looking to DOWNSIZE? Enjoy the benefits of a brand-new home + your own outdoor space without the upkeep of a BIG YARD. All of this just minutes from the EVERETT MARINA + the exciting NEW WATERFRONT DEVELOPMENT with restaurants + shops + more continuing to come. Whether you’re ready to STOP RENTING + start building equity or simply want something NEW + LOW MAINTENANCE this super CUTE home makes homeownership feel within reach. [NEW CONSTRUCTION + QUALITY FINISHES + LOW-MAINTENANCE LIVING + A LOCATION THAT KEEPS GETTING BETTER]

1702 Rainier Avenue Unit #B, Everett

Listing courtesy of John L. Scott Everett.

$565,000
2 Beds ⋅ 2 Baths ⋅ 2568771 MLS ⋅ ACTIVE Status
[OLD HOUSE CHARM + NEW HOUSE FEEL] This beautifully renovated 2-bedroom + HUGE BONUS ROOM home blends fresh modern updates with the character that makes an older home special. The entire renovation was FULLY PERMITTED. Step inside to a bright + WELCOMING layout filled with natural light. The updated kitchen opens easily to the living and dining spaces while the full bath brings in a little VINTAGE-INSPIRED CHARM with classic tile details. DOWNSTAIRS, a huge unfinished lower level offers incredible flexibility for STORAGE + HOBBIES + a HOME GYM or future finished space. Outside is where this home really sets itself apart. Enjoy a BRAND NEW back deck + large front yard + metal roof + generous side yard + FULLY FENCED outdoor space with room to garden + ENTERTAIN + let pets play. All of this just minutes from Downtown Everett + the waterfront + Everett Marina with RESTAURANTS + coffee + SHOPS + events close by. Updated where it matters. Character where you want it. Outdoor space you’ll LOVE. [MORE YARD + MORE SPACE + MORE TO LOVE- WELCOME HOME TO RAINIER]

1702 Rainier Avenue, Everett

Listing courtesy of John L. Scott Everett.

$565,000
2 Beds ⋅ 2 Baths ⋅ 2569014 MLS ⋅ ACTIVE Status
[OLD HOUSE CHARM + NEW HOUSE FEEL] This beautifully renovated 2-bedroom + HUGE BONUS ROOM home blends fresh modern updates with the character that makes an older home special. The entire renovation was FULLY PERMITTED. Step inside to a bright + WELCOMING layout filled with natural light. The updated kitchen opens easily to the living and dining spaces while the full bath brings in a little VINTAGE-INSPIRED CHARM with classic tile details. DOWNSTAIRS, a huge unfinished lower level offers incredible flexibility for STORAGE + HOBBIES + a HOME GYM or future finished space. Outside is where this home really sets itself apart. Enjoy a BRAND NEW back deck + large front yard + generous side yard + FULLY FENCED outdoor space with room to garden + ENTERTAIN + let pets play. All of this just minutes from Downtown Everett + the waterfront + Everett Marina with RESTAURANTS + coffee + SHOPS + events close by. Updated where it matters. Character where you want it. Outdoor space you’ll LOVE. [MORE YARD + MORE SPACE + MORE TO LOVE- WELCOME HOME TO RAINIER]

1702 Rainier Avenue, Everett

Listing courtesy of John L. Scott Everett.

$949,995
4 Beds ⋅ 3 Baths ⋅ 2565526 MLS ⋅ ACTIVE Status
Special Builder Paid Financing Incentive with preferred lender CCM. 2/1 Buy Down with payment reduction of nearly $1,000 per month. Details available upon request. Tucked away at the end of a long private drive, this custom-built Northwest Contemporary offers the kind of setting that's becoming increasingly rare-nearly 1/3 acre of privacy, beautiful territorial and valley views, and direct access to The Loop Walking Trail, all just minutes from downtown Puyallup. With 3,037 SF, 4 bedrooms plus a flexible office/guest room, and 2.75 baths, every space was thoughtfully designed with quality and function in mind. The heart of the home is a stunning chef's kitchen featuring premium appliances, an oversized waterfall island, walk-in butler's pantry, custom cabinetry, and designer finishes that flow seamlessly into expansive living and dining spaces. A dramatic fireplace wall, oversized windows, and massive deck create an ideal setting for everyday living and entertaining. Upstairs, the luxurious primary suite offers vaulted ceilings, a spa-inspired bath with soaking tub and oversized shower, and a spacious walk-in closet. The fully fenced backyard provides room to play, garden, or simply enjoy the peaceful surroundings. If you've been waiting for something that doesn't feel like every other new home on the market, this is the one. Exceptional craftsmanship, an incredible homesite, and a truly one-of-a-kind opportunity.

1238 9th Street SW, Puyallup

Listing courtesy of Real Broker LLC.

$585,000
6 Beds ⋅ 2 Baths ⋅ 2565591 MLS ⋅ ACTIVE Status
Welcome to the great Craftsman with classic charm and an unbeatable downtown location. Enjoy a vibrant, walkable lifestyle just moments away from the famous Washington State Fair ("Do The Puyallup"), the local Farmers Market, beautiful parks, shopping, and fantastic dining options. The Sounder is also within walking distance. Step inside to a bright, spacious living room that flows seamlessly into the formal dining room—ideal for hosting gatherings. The expansive kitchen features an abundance of cabinets and storage space. Stay perfectly comfortable year-round with efficient AC. The outdoor living spaces are equally impressive, featuring a welcoming covered porch and a private back patio within a fully fenced yard. A standout feature of this property is the detached 1-bedroom mother-in-law (MIL) unit, offering incredible flexibility for multi-generational living or rental income potential. Need space for your toys and projects? This property boasts dedicated RV parking and a garage complete with a dedicated workshop area and utility space. Properties offering this unique combination of space, versatile living arrangements, and a prime downtown location are a rare find!

723 5th Avenue NW, Puyallup

Listing courtesy of Better Properties N. Proctor.

$650,000
3 Beds ⋅ 3 Baths ⋅ 2539976 MLS ⋅ ACTIVE Status
Pride of ownership shines throughout this meticulously maintained one-owner home, offering timeless quality, thoughtful updates, & an exceptional setting on a beautifully landscaped oversized lot. Designed for both everyday living & entertaining, the expansive backyard features established landscaping & mature gardens, a pergola for outdoor gatherings, a sprinkler system for easy maintenance, & plenty of room for gardening, play, or simply relaxing in your own private retreat. Inside, you'll find 3 spacious bedrooms, 2.25 baths, fresh interior & exterior paint, hardwood flooring in the entry, & both formal and informal living rooms that provide flexible spaces for hosting guests or enjoying quiet evenings at home. The bright, functional kitchen is equipped with granite countertops, stainless steel appliances, abundant cabinetry, & generous workspace, making meal preparation & entertaining a breeze. The spacious primary suite offers a walk-in closet & a private office, sitting room, or flex space—ideal for working from home, a nursery, home gym, or reading retreat. Major improvements provide lasting peace of mind, including a new heat pump & furnace (2026), new water heater (2025), & a durable 50-year metal roof. Conveniently located near downtown Puyallup, shopping, restaurants, parks, schools, & commuter routes, this move-in-ready home offers the perfect combination of comfort, functionality, & outdoor living in one of Puyallup's most established neighborhoods.

225 McElroy Place, Puyallup

Listing courtesy of John L. Scott, Inc..

$379,000
1 Baths ⋅ 2563638 MLS ⋅ ACTIVE Status
Stunning luxury unit at The Emerald. Stands at the heart of Seattle's premier address. One block from Pike Place Market and two blocks from the newly reimagined Seattle’s waterfront. The unit features floor-to-ceiling windows with abundant sunlight. Spacious living room, White Oak hardwood floor, custom cabinets, high-end Bosch appliances, a spacious spa-like bath, full-size washer/dryer, custom shades. Enjoy your amenities including 24/7 concierge, fitness center, yoga studio, pet spa and dog run, guest suite, stylish resident lounge, and expansive indoor/outdoor rooftop gathering spaces. Do not miss this one and elevate your luxury fun living at downtown Seattle.

121 Stewart Street Unit #1306, Seattle

Listing courtesy of eLink Realty.

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