Seattle Homes with FHA Terms

Seattle Homes with FHA Terms

Seattle, located in the state of Washington, is a vibrant and diverse city that offers a unique blend of natural beauty, cultural attractions, and a thriving real estate market. Situated in King County, Seattle is known for its stunning waterfront views, expansive parks, and bustling urban neighborhoods.

One of the key aspects that sets Seattle apart is its commitment to providing affordable housing options. Many homes in the city offer FHA terms, making it easier for buyers to secure financing and achieve their dream of homeownership. The Federal Housing Administration (FHA) loan program provides flexible lending guidelines and lower down payment requirements, making it an attractive option for first-time homebuyers or those with less-than-perfect credit.

Seattle's real estate market has seen steady growth in recent years, with a wide range of housing options available. From modern high-rise condos in downtown to charming bungalows in the surrounding neighborhoods, there is something to suit every taste and budget.

Beyond its real estate offerings, Seattle is renowned for its thriving arts scene, world-class dining, and abundant outdoor recreational opportunities. Whether you're exploring the iconic Pike Place Market, hiking in the nearby mountains, or enjoying a coffee at one of the city's many local cafes, there is always something exciting to discover in Seattle.

With its strong sense of community, beautiful surroundings, and affordable housing options, Seattle is an ideal place to call home. Whether you're a first-time buyer or looking to invest in real estate, the city offers a wealth of opportunities and an unbeatable quality of life.

Newest Seattle Homes with FHA Terms

$925,000
6 Beds ⋅ 3 Baths ⋅ 2573867 MLS ⋅ ACTIVE Status
Welcome to this spacious and versatile Seattle home offering an exceptional layout, abundant parking, and convenient access to transit and everyday amenities. The main level features an updated kitchen with a dedicated dining area, a primary en-suite, two additional bedrooms, and a bright living space that opens to the deck. Hardwood and marble flooring, and thoughtful updates add character throughout the home. The expansive lower level offers excellent flexibility for multi-generational living, guests, work-from-home space, or additional recreation. It features a large rec room perfect for movie nights and entertaining, along with additional bedrooms, a full bathroom, home office, and a separate entrance. Outside, enjoy a private setting with generous off-street parking, established landscaping and garden space, plus a built-in shed/bonus area offering additional storage or entertaining possibilities. Major improvements include newer siding and roof, along with double-pane windows. Conveniently located near light rail, shopping, dining, parks, and other neighborhood amenities, this home combines space, flexibility, and accessibility in one of Seattle's well-connected residential neighborhoods.

5525 Renton Avenue S, Seattle

Listing courtesy of TRELORA Realty, Inc..

$649,000
2 Beds ⋅ 1 Baths ⋅ 2572427 MLS ⋅ ACTIVE Status
Welcome to this beautifully refreshed 2-bedroom, 1-bath home offering water views, a spacious 7,200 sq ft lot, and plenty of flexibility for future possibilities. The 1,280 sq ft home features a large flex space downstairs- ideal for a home office, media room, hobby space, or potential 3rd bedroom. Recent improvements include a new roof and electrical panel (August 2026), new flooring, updated kitchen and bathroom, and fresh paint throughout. The garage provides valuable storage and parking, while the generous R6-zoned lot offers exciting potential for future expansion. Buyer to verify development, lot, and DADU possibilities with the City of Seattle. A great opportunity to own a move-in-ready home with room to make it your own and capitalize on the possibilities of the property.

10808 Lake Ridge Drive S, Seattle

Listing courtesy of KW Greater Seattle.

$949,000
2 Beds ⋅ 2 Baths ⋅ 2570620 MLS ⋅ ACTIVE Status
Spectacular Lake Union, city skyline & mountain views take center stage in this luxury Wallingford townhouse! The open main level boasts a stylish modern kitchen with quartz countertops, custom cabinetry & oak hardwoods, highlighted by a dramatic vaulted ceiling detail and floating staircases. The unique lower level features a separate private entrance, generous bedroom, full bath & flex space—perfect for an Airbnb, long-term tenant, or multi-generational setup. Unwind in the spa-inspired primary suite or on the expansive private rooftop deck capturing front-row sunset views. Complete with a rare secure underground garage! Steps to Gas Works Park, local boutiques, coffee shops & quick SLU access.

3920 1st Avenue NE Unit #C, Seattle

Listing courtesy of Redfin.

$745,000
3 Beds ⋅ 3 Baths ⋅ 2572164 MLS ⋅ ACTIVE Status
Presale opportunity in a private three-cottage community in Seattle’s Bitter Lake neighborhood! This thoughtfully designed new construction home offers 3 bedrooms, 3 bathrooms and 1,089 sq ft of efficient, modern living, plus an approximately 200 sq ft private garage. The open-concept main level is designed for everyday living and entertaining, featuring a fireplace and seamless connection to your private patio and expansive approximately 2,600 sq ft yard area a rare amount of outdoor space for new construction in Seattle. A paver driveway adds to the finished, residential feel of this intimate community. With construction underway and completion anticipated in mid December, buyers who secure the home early will have the unique opportunity to personalize select finishes and design details, allowing you to make the home your own before move in. Enjoy the benefits of brand new construction without sacrificing outdoor space, parking or privacy. Conveniently located in the Bitter Lake community with easy access to Greenwood, Northgate, neighborhood parks, shopping, dining and major commuter routes. An excellent opportunity to secure a new home before completion and have a say in the final look and feel. Photos/renderings may depict proposed finishes and are for illustrative purposes. Estimated completion timing is subject to change.

513 N 122nd Street, Seattle

Listing courtesy of Pellego, Inc..

$1,660,000
4 Beds ⋅ 3 Baths ⋅ 2569905 MLS ⋅ ACTIVE Status
Light-filled and full of soul, this beautifully cared-for 1915 Craftsman captures the warmth and character that make Montlake so special. Original mullioned windows, refinished hardwood floors, a formal dining room, and charming sunroom/parlor off the living room create inviting, gracious spaces rarely found in newer homes. Classic period details are thoughtfully preserved throughout, giving the home an unmistakable sense of history and character. Three bedrooms and a full bath are upstairs, with a convenient powder room on the main level. The finished lower level offers a fourth bedroom and full bath, plus a family room, second fireplace, office, and shop space. A skylight brightens the upstairs bath. Major systems have been updated, including a new furnace and water heater, updated plumbing, newer electrical, and added insulation. Outside, a generous deck overlooks a private, mature backyard with rear alley access. A recent zoning change adds long-term potential for the spacious rear yard, including a future garage, DADU, or other improvements, subject to City of Seattle requirements and buyer verification. Just a block from the Montlake Community Center & Playfield and minutes from the Arboretum, Montlake Cut, cafés, UW, SR-520, and downtown. A special Montlake home where original craftsmanship, natural light, and timeless character meet thoughtful updates and future potential.

1624 E McGraw Street, Seattle

Listing courtesy of Mezzanine Properties Inc.

$500,000
2 Beds ⋅ 1 Baths ⋅ 2567316 MLS ⋅ ACTIVE Status
An ideal investment or starter home! This charming 2-bedroom home sits on a large, fully fenced corner lot with an expansive yard, detached shed, and oversized driveway with boat/RV parking. Inside, enjoy updated laminate flooring, a refreshed bathroom, generous living spaces, and ample kitchen storage. Fresh exterior paint and a spacious lot offer exciting future expansion or development potential (buyer to verify). Conveniently located minutes from the airport, shopping, and amenities. Welcome home!

10409 3rd Avenue SW, Seattle

Listing courtesy of Keller Williams Eastside.

$899,000
4 Beds ⋅ 3 Baths ⋅ 2569216 MLS ⋅ ACTIVE Status
Welcome to this amazing North Park new construction home designed for comfortable living and effortless entertaining while boasting luxury designer finishes throughout! Enjoy private outdoor spaces, including a covered patio, fully fenced yard that's perfect for pets, play, or creating your dream retreat. A dedicated parking space is pre-wired for a future EV charger, adding modern convenience. The main level features an expansive kitchen designed for gathering, complete with island seating, a walk-in pantry, gas range and a dedicated bar area. Enter through the side entrance into a functional drop zone with built-in storage cabinets, perfect for keeping everyday essentials organized. The front entry offers additional storage and convenient access to the main-floor. On the second level, you'll find three generously sized bedrooms, a full bathroom with heated floors, and a dedicated laundry room for added convenience. The top floor serves as a private retreat, featuring a versatile bonus room ideal for a home office, media room, fitness space, or additional closet. The primary suite boasts vaulted ceilings, a spacious walk-in closet, and a well-appointed en-suite bathroom with heated floors. Additional highlights include energy-efficient mini-split heating and air conditioning, as well as convenient access to Green Lake, major freeways and highways.

10702 Linden Avenue N, Seattle

Listing courtesy of Coldwell Banker Danforth.

$850,000
4 Beds ⋅ 4 Baths ⋅ 2568496 MLS ⋅ ACTIVE Status
Exceptional South Seattle Location!!! A rare opportunity to enjoy exceptional convenience in one of South Seattle’s most connected neighborhoods. Located just steps from the Othello Light Rail Station, offering easy access to Downtown Seattle, UW, Sea-Tac Airport and destinations throughout the region. Daily essentials are within easy walking distance, including 3 Mien Vietnamese Market, Chase Bank, Bank of America, Safeway, UPS, restaurants, local businesses, and Seattle Children’s Odessa Brown Children’s Clinic. The home offers a bright, comfortable multi-level layout with generous living spaces, abundant natural light, a cozy gas fireplace and a private primary suite. The refreshed lower-level space provides additional flexibility for everyday living, guests or a home office. Attached garage, additional parking and no HOA add even more value and convenience. An excellent combination of space, walkability, transit access and urban convenience — ideal for buyers who want to enjoy Seattle living with shopping, dining, healthcare and transportation all close to home.

7009 42nd Avenue S Unit #1, Seattle

Listing courtesy of Dove Realty, Inc..

$398,000
1 Beds ⋅ 1 Baths ⋅ 2567706 MLS ⋅ ACTIVE Status
Welcome to Duncan Place, a well-maintained condominium in the heart of Seattle’s vibrant University District. This west-facing residence features an open-concept layout with abundant natural light, a private balcony, and a functional floor plan designed for comfortable everyday living. The well-appointed kitchen flows seamlessly into the living and dining areas, while the spacious bedroom provides a relaxing retreat. Enjoy the convenience of in-unit washer and dryer, reserved garage parking, and a dedicated storage unit. Rare for the building, this home is equipped with air conditioning to keep you comfortable year-round. The building is also fiber internet capable, making it ideal for working from home or high-speed connectivity. Duncan Place offers secure controlled access and a rooftop deck with neighborhood and city views. The pet-friendly community allows up to two pets and has no rental cap, providing exceptional flexibility for both homeowners and investors. Ideally located just blocks from the University of Washington, Trader Joe’s, neighborhood cafés, restaurants, shopping, parks, and the Roosevelt Link Light Rail station, this home offers outstanding convenience with easy access to downtown Seattle, South Lake Union, and beyond. Whether you’re looking for your first home, a low-maintenance city residence, or an investment property, this move-in-ready condo presents an exceptional opportunity in one of Seattle’s most desirable neighborhoods.

4547 8th Avenue NE Unit #504, Seattle

Listing courtesy of Pellego, Inc..

$640,000
2 Beds ⋅ 2 Baths ⋅ 2568137 MLS ⋅ ACTIVE Status
Enjoy all-inclusive living at the highly sought-after University Plaza. This expansive, light-filled residence showcases sweeping mountain views and a spacious private deck, perfect for relaxing and taking in the scenery. The generous primary suite offers a comfortable retreat, while an in-unit washer and dryer adds everyday convenience. Residents enjoy an impressive collection of amenities, including an exercise room, sauna, outdoor pool with cabana and BBQ area, hobby room, rooftop deck, secure garage parking, and guest parking. Ideally located near the University of Washington, groceries, restaurants, shops, theaters, the Farmers Market, medical facilities, library, playfield, tennis courts, and convenient bus lines. Best of all, HOA dues include all utilities except internet, making this an exceptional opportunity for effortless, lock-and-leave living in a prime location.

4540 8th Avenue NE Unit #1605, Seattle

Listing courtesy of John L. Scott R.E.Tacoma North.

$825,000
3 Beds ⋅ 2 Baths ⋅ 2567914 MLS ⋅ ACTIVE Status
Tucked away just off the beaten path in Northgate, this home is walkable to just about everything. Northgate Light Rail is an easy 0.8-mile walk away, and shopping is even closer. This one lives bigger than it looks. With 3 bedrooms, 2 full baths, and 1,880 square feet, there’s room to spread out. The generous 6,930-square-foot lot gives you a private backyard with space to garden, entertain, play, or just hang out. There’s plenty of off-street parking out front, too. The sellers tackled the big-ticket improvements. Both bathrooms have been remodeled, there’s new LVP flooring upstairs and brand-new carpet downstairs, and mini-splits in every room deliver energy-efficient heating and ice-cold air conditioning. The kitchen has granite counters, the downstairs rec room is ready for movies, workouts, guests, or working from home, and the oversized laundry room, complete with a utility sink, offers tons of useful storage. More space than you’d expect, the updates you actually want, and a location that makes everyday life easier.

11526 3rd Avenue NE, Seattle

Listing courtesy of Bushwick.

$900,000
3 Beds ⋅ 2 Baths ⋅ 2565502 MLS ⋅ ACTIVE Status
Opportunity awaits with this Shoreline estate property, being sold AS-IS. Situated on a generous lot, this property offers exceptional potential for homeowners or those looking to renovate and build equity. The main level features a welcoming living room, kitchen, and a convenient main-floor bedroom. Downstairs includes a spacious recreation room with a second fireplace, a partially finished basement, a bonus room, and additional storage space. A detached bonus room with a quarter bathroom (toilet only) provides flexible space for a home office, studio, workshop, or hobby room. The property also includes a storage shed and an additional outdoor storage building. The home is in need of cosmetic updates, including paint, but offers plenty of living space and endless possibilities in a highly desirable Shoreline location. The large lot provides additional value and may offer future possibilities; however, buyers are advised to verify all development potential with the appropriate city or county authorities. Whether you’re searching for your next renovation project or a place to make your own, this property offers outstanding potential.

16310 Ashworth Avenue N, Shoreline

Listing courtesy of Blue Sky Real Estate Services.

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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