Sumas Homes with FHA Terms

Sumas Homes with FHA Terms

Welcome to Sumas, a charming city located in Whatcom County, Washington, United States. Nestled in the picturesque landscape of the Pacific Northwest, Sumas offers a serene and welcoming neighborhood for residents to call home.

With its close-knit community and small-town charm, Sumas provides a peaceful and safe environment for families and individuals alike. The city boasts a range of amenities and facilities, including parks, schools, and local businesses, ensuring that residents have everything they need within reach.

If you're looking to settle down in Sumas, you'll be pleased to know that there are a variety of homes available with FHA terms. The Federal Housing Administration (FHA) provides loans that make homeownership more accessible to individuals who may have difficulty qualifying for conventional mortgages. These loans offer flexible down payment options and competitive interest rates, making it easier for first-time buyers and those with lower credit scores to purchase a home in Sumas.

Whether you're searching for a cozy bungalow or a spacious family home, Sumas has a diverse range of properties to suit every need and budget. From quaint historic houses to modern new constructions, you're sure to find the perfect home that meets your preferences and requirements.

Come and experience the warmth and beauty of Sumas. With its friendly community, convenient amenities, and homes available with FHA terms, this charming city is an ideal place to settle down and create lasting memories.

Newest Sumas Homes with FHA Terms

$499,000
2 Beds ⋅ 2 Baths ⋅ 2574081 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated 2-bedroom, 2-bath log-cabin-style home, nestled on just over half an acre of fully fenced property. The character and warmth of the original log construction shine through, while thoughtful updates provide modern comfort and peace of mind. The logs have been professionally restored and re-chinked, preserving the home's rustic appeal. A new roof and gutters were installed in 2025, and the crawl space features a new moisture barrier and sump pump. Inside, enjoy all-new flooring throughout, beautifully updated bathrooms, a new forced-air furnace, and all-new Bosch and GE Profile appliances installed in 2024. The tankless water heater is approximately five years old. The fully fenced yard features a newer 6-foot cedar fence, offering privacy and plenty of room to enjoy the outdoors. With ample space for a future shop, this property also includes shop plans with the sale—an excellent opportunity for those needing workspace, storage, or a hobby area. A unique blend of classic cabin charm, significant updates, privacy, and room to expand, this property is ready to welcome its next owner.

1080 Victoria Street, Sumas

Listing courtesy of Keller Williams Western Realty.

$514,950
3 Beds ⋅ 2 Baths ⋅ 2565626 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained 2018-built gem in a desirable Sumas neighborhood! Offering 3 bedrooms and 2 bathrooms, this home blends modern construction, thoughtful design, and everyday functionality with beautiful mountain and territorial views. Step inside to a bright, open-concept floor plan filled with natural light. Vaulted ceilings add an airy feel, while the spacious kitchen features a large island, stainless steel appliances, and tile backsplash. Matching tile backsplash details in both bathrooms add a stylish, finished touch. The private primary suite offers an en-suite bath and oversized walk-in closet. A dedicated utility room, generous storage, and high-efficiency furnace add everyday convenience. Outside, enjoy excellent curb appeal, a fully fenced yard, lush greenery, and a private backyard setting. A stone walkway leads to the back of the home, while the wired security system provides added peace of mind. This home has never flooded. Built in 2018, it offers the benefits of newer construction without the wait or expense of building new. A wonderful opportunity to own a move-in-ready home in Sumas!

119 Cornerstone Drive, Sumas

Listing courtesy of Windermere RE Whatcom, Inc..

$380,000
3 Beds ⋅ 2 Baths ⋅ 2563678 MLS ⋅ ACTIVE Status
Brand new 2026 Energy Star certified manufactured home in the heart of Sumas! Built approximately 2 feet above the City’s flood elevation requirements, this thoughtfully designed 3-bedroom, 1.75-bath home combines modern comfort with added peace of mind. The open-concept layout centers around a spacious living area that flows seamlessly into a well-appointed kitchen featuring a large island, stainless steel appliances, abundant cabinetry, and generous prep space. The primary suite boasts a dual-sink vanity and a spacious walk-in shower, while a dedicated laundry room provides everyday convenience. Enjoy your morning coffee from the covered front porch, take advantage of alley access to the rear of the property, and appreciate the ease of low-maintenance living. The level lot provides endless opportunities to create the outdoor space you’ve always envisioned, whether it’s a garden, patio, or beautifully landscaped yard. Conveniently located within walking distance of downtown Sumas, local shops, restaurants, and Sumas City Park with sports courts, playgrounds, and a splash pad, this beautiful new home is ready to welcome its first owners.

211 Harrison Street, Sumas

Listing courtesy of van der Velde and Company.

$339,500
2 Beds ⋅ 1 Baths ⋅ 2558395 MLS ⋅ ACTIVE Status
Welcome to small-town living in the friendly community of Sumas! This fully professionally renovated 2-bedroom, 1-bath home is move-in ready and sits on a beautiful lot with plenty of outdoor space to enjoy. Inside, you’ll find a bright and fresh home with updates throughout. The brand-new kitchen features new appliances, modern cabinets, farm house sink and lots of space to cook and gather. The bathroom has also been beautifully updated, and every room has been refreshed with care. Enjoy peace of mind with a brand-new roof and quality improvements that make this home ready for its next owner. Whether you’re buying your first home, looking to downsize, or searching for a great investment, this home is a wonderful choice. Outside, the large yard offers room for gardening, playing, or relaxing. A detached garage provides space for parking or projects, while the outbuilding gives you extra room for hoobies, office, workout gear or tools. Located close to schools, parks, shopping, and the Canadian border, this home offers the perfect mix of comfort, convenience, and small-town charm. Don’t miss your chance to own this beautifully updated home in Sumas! Preferred lender credit of up to $2500 with Kendall Kelly Chuckanut Mortgage.

230 Vancouver Street, Sumas

Listing courtesy of eXp Realty.

$1,295,000
3 Beds ⋅ 3 Baths ⋅ 2557080 MLS ⋅ ACTIVE Status
Experience refined Northwest living in this exceptional custom-built home, perfectly situated on 8.75 private wooded acres behind a gated entrance. Designed with both luxury and practicality in mind, this thoughtfully crafted residence offers the convenience of main-level living, fully finished daylight basement, & outstanding flexibility for multi-generational living, extended guests, or potential ADU-style use. The open-concept main level showcases soaring ceilings, abundant natural light, custom built-in cabinetry, a dramatic floor-to-ceiling stone fireplace, & expansive windows overlooking the peaceful surroundings. The gourmet kitchen features premium appliances, custom cabinetry, quartz countertops, and high-end finishes throughout. The daylight basement includes a second living area, partial kitchen, second laundry hookup, two additional bedrooms, full bath, and separate entrance opening to a covered patio. Enjoy beautifully landscaped grounds, mature trees, a large entertaining deck, covered patio, and a gated paved driveway. The 8.75-acre property offers privacy, room for a future shop or additional improvements (buyer to verify). Thoughtfully equipped with a propane-powered backup generator, water catchment system with approximately 13,000 gallons of backup water storage, ductless heat pump, air conditioning, and quality custom construction throughout. Peaceful country living just 30 minutes from Bellingham offers the perfect balance of seclusion and convenience.

5061 South Pass Road, Sumas

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

$435,000
3 Beds ⋅ 3 Baths ⋅ 2556545 MLS ⋅ ACTIVE Status
Like-new home in Sumas built in 2023! This 3-bedroom, 2.5-bath home features a bright, open-concept living area perfect for entertaining. The kitchen offers a walk-in pantry, stainless steel appliances, and great functionality for everyday living. Enjoy a private primary suite complete with a walk-in closet for added comfort and space. Stay comfortable year-round with efficient mini split heating and A/C. The property also includes a versatile shop with alley access, ideal for projects, storage, or hobbyists. Located close to local parks and schools, this home combines modern convenience with small-town charm.

226 Morton Street, Sumas

Listing courtesy of Windermere RE Whatcom, Inc..

$399,000
3 Beds ⋅ 3 Baths ⋅ 2551941 MLS ⋅ ACTIVE Status
Welcome home! Beautifully remodeled rambler on .5 acre with attached 2 bay shop ready for new owners. Tucked away on quiet outer town street with frequent wildlife visitors. Plenty of parking with extra-long driveway & full gravel area in front of shop bays. Well-appointed design choices from exterior paint to interior finishes throughout. Inviting and spacious living room with cozy shiplap surround gas fireplace is semi-open to sunny bright dining room just off kitchen. Fully updated kitchen includes custom cabinets, quartz counters, full tile backsplash, stainless steel appliances, 2x pantry cabinets w/pull out drawers, eat-in peninsula & more! Owner's suite includes ensuite 3/4 bathroom w/dual vanity and walk-in closet. LVP flooring throughout entire home - zero carpet! Extra-large utility room near bedrooms, near new w/d included & tons of cabinet/closet storage. 2 more flex rooms & currently used as 4th bdrm on opposite side of home. Nearly BN roof & AC. Huge 2 bay attached shop with 3/4 bathroom and double door access to spacious backyard. Additional large outbuilding, covered patio and enormous yard complete this move-in ready home. Unbeatable value for the price!

319 Vancouver Street, Sumas

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

$459,950
4 Beds ⋅ 2 Baths ⋅ 2546373 MLS ⋅ ACTIVE Status
***Seller now offering a $10k credit towards buyer closing costs*** This inviting one level home offers a bright, airy design with quality details throughout. The welcoming living area provides a comfortable space for relaxing and gathering with friends. The kitchen is well equipped with quartz countertops, stainless steel appliances, and a convenient breakfast bar.The spacious primary suite features a private bathroom and a walk in closet. A fourth bedroom near the entrance offers excellent flexibility for a home office, guest room, or hobby space.Step outside to a generous deck designed for entertaining while taking in scenic views of the Sumas foothills. The backyard enjoys excellent sun exposure, making it ideal for gardening and outdoor enjoyment. A covered front porch provides a peaceful place to start the day surrounded by the sounds of nature. Additional highlights include a roomy garage and a convenient location just minutes from downtown Sumas and the Canadian border.

533 Second Street, Sumas

Listing courtesy of Muljat Group.

$299,900
2548359 MLS ⋅ ACTIVE Status
Build your dream estate on this stunning 8.88-acre parcel above the Sumas Valley. With power and water on site and a water share included, this property offers an exceptional opportunity to create a private retreat amid sweeping mountain and territorial views. Lightly treed and partially cleared with a premier homesite, it’s tucked at the end of a quiet dead-end road, just minutes from town and the Canadian border. An ideal setting for a custom home with space to breathe.

4135 Kamphouse Drive, Sumas

Listing courtesy of Petz Real Estate.

$850,000
2544489 MLS ⋅ ACTIVE Status
Great owner-occupant or investment opportunity! This fourplex offers four 2-bedroom, 1-bathroom units, each with a large private backyard and two parking spaces. One unit is vacant and ready for renovation. This is a great chance for jumping into the rental market while living on the property with rental income from the other three units helping to pay the mortgage. Conveniently located within walking distance of Sumas Elementary, Edaleens Ice Cream, the grocery store just around the corner. A great chance to own an income-producing property with occupancy available.

124 Mitchell Street, Sumas

Listing courtesy of Roma Management LLC.

$375,000
3 Beds ⋅ 2 Baths ⋅ 2536618 MLS ⋅ ACTIVE Status
Fully restored and move-in ready, this spacious one-level home offers over 1,800 square feet of comfortable living space and exceptional value in Whatcom County. Featuring two separate living areas, this versatile floor plan provides plenty of room to relax, entertain, work from home, or accommodate changing household needs. The generous primary suite includes a private full bath, while the den offers an easy opportunity for a 4th bedroom, office, or flex space.Recent updates include a new water heater, new roof, and new stainless-steel appliances, allowing you to move in with confidence. Bright, airy interiors are filled with natural light, creating a welcoming atmosphere throughout. Outside, the large sun-drenched yard is ready for gardening, play, or your dream outdoor retreat, complete with a fantastic backyard BBQ setting and abundant off-street parking for vehicles, RVs, or recreational equipment.Conveniently located just 30 minutes from Bellingham and close to world-class skiing at Mt. Baker, hiking, fishing, and all the amenities British Columbia has to offer, this home combines affordability, flexibility, and outdoor lifestyle opportunities. A rare chance to own a fully restored home with space to grow and room to make it your own.

230 Cleveland Avenue, Sumas

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

$354,000
4 Beds ⋅ 2 Baths ⋅ 2499211 MLS ⋅ ACTIVE Status
Beautiful craftsmanship in this 4-bedroom, 2 bath classic home with original hardwood floors. Lots of storage throughout with custom built-in cabinets and walk-in closets. Large living room and kitchen. Primary bedroom with second story deck to enjoy a scenic view of the mountains! This home is on a large corner lot with a detached garage. Plenty of room for all your hobbies. This 2,032 square foot home has the space you desire. New roof in 2025. No water in the living space of this home from any of the floods!

517 Lawson Street, Sumas

Listing courtesy of HomeSmart One Realty.

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