98104 Homes with FHA Terms

98104 Homes with FHA Terms

Welcome to the vibrant heart of Seattle, located in the charming 98104 zip code! Nestled in King County, this area is a delightful blend of urban sophistication and natural beauty, making it one of the most sought-after neighborhoods in the Pacific Northwest.

98104 is home to a diverse community, rich in culture and history. You’ll find a dynamic mix of historic architecture alongside modern high-rises, creating a unique skyline that reflects the city’s evolution. The neighborhood boasts a plethora of amenities, including trendy restaurants, boutique shops, and lively entertainment venues. Whether you're enjoying a leisurely stroll through the picturesque streets or indulging in the local culinary scene, there's always something new to discover.

For those considering homeownership, 98104 offers a variety of housing options, including homes available with FHA financing terms. This is a fantastic opportunity for first-time buyers or those looking to invest in the Seattle market. FHA loans are designed to make homeownership more accessible, with lower down payment requirements and flexible credit score criteria. This means you can find your dream home in this bustling urban enclave without the financial strain often associated with buying property in a major city.

With its prime location, rich amenities, and welcoming community, 98104 is not just a place to live; it’s a lifestyle. Explore the possibilities of calling this vibrant neighborhood home today!

Newest 98104 Homes with FHA Terms

403 Terry Avenue Unit #206, Seattle
$450,000
2 Beds ⋅ 1 Baths ⋅ 2484291 MLS ⋅ ACTIVE Status
Welcome Home to First Hill's Terry Terrace #206, historic old world charm & one of the best kept secrets in Seattle! Like an unassuming geode, this condo keeps its sparkle a secret—until you step inside. A smart floor plan, 9 windows of light combined w/ high ceilings, crown molding, & picture rails, this home spans the full length of the building. 2 bdms & a full bath anchor one end of the condo, while the living, dining, & kitchen spaces stretch out on the other. The entryway is the ideal gallery space to showcase your favorite art. Freshly painted and move-in ready. EXCELLENT INVESTOR OPPORTUNITY- LOW HOA DUES, SHORT TERM (3 month) RENTAL, NO RENTAL CAP! Pet-friendly, & equipped w/in-unit W/D. Amenities include additional on-site laundry, bike storage,E-bike charging, a brand-new dog washing station, a new roof, new complex Entry doors, gated, secure entry. All of this in a high walkscore/walkable location where city life thrives—steps to restaurants, coffee shops, grocery markets, Frye Art Museum, Swedish and Harborview medical centers, public transportation, and quick access to 1-5.

403 Terry Avenue Unit #206, Seattle

Listing Broker: Windermere R E Mount Baker; Susan A. Cole; 206-915-3444; scole@windermere.com

450 S Main Street Unit #313, Seattle
$305,000
1 Baths ⋅ 2589749 MLS ⋅ ACTIVE Status
Discover modern urban living in the heart of Seattle's vibrant International District at KODA Condominiums. This smartly designed residence optimizes every inch of its 516 sq ft layout, featuring expansive floor-to-ceiling windows that flood the home with natural light and territorial views. High-end finishes include sleek European-inspired cabinetry, Pental Quartz countertops, Blomberg stainless steel appliances, Kohler fixtures, and durable engineered wood flooring. Comfort is ensured year-round with high-efficiency air conditioning and heat pump heating. Enjoy an unparalleled amenity suite: a panoramic rooftop terrace with sweeping city views, a state-of-the-art fitness center, co-working spaces, exhibition kitchen, zen garden, and 24/7 concierge. Unbeatable location with a 98 Walk Score—steps to transit, historic Waterfall Garden Park, Pioneer Square, and world-class dining. No rental cap issues, pet-friendly, and ready for its next owner or investor!

450 S Main Street Unit #313, Seattle

Listing Broker: Windermere Real Estate/East; Hao N. Dang; 206-601-1548; haodang@windermere.com

905 Cherry Street Unit #102, Seattle
$229,950
1 Beds ⋅ 1 Baths ⋅ 2587014 MLS ⋅ ACTIVE Status
Smart First Hill condo offering an efficient layout, updated finishes & exceptional flexibility for city living or investment. This 1-bedroom, 1-bath home makes excellent use of its 505 sq ft with an inviting living area, engineered wood flooring & a comfortable bedroom with durable commercial-grade carpet. The kitchen features stainless steel appliances & practical workspace for everyday living. Step outside to the shared patio, a peaceful spot for morning coffee, outdoor dining or tending the community garden planters. Nine Cherry Square offers a secure, convenient setting with elevator access & no rental cap, creating appealing options for owner occupants, pied-à-terre use or mid-term furnished rentals. Outstanding First Hill location just blocks from Harborview, Swedish First Hill & Virginia Mason, with easy access to Seattle University, downtown, Capitol Hill, restaurants, coffee, transit & everyday amenities.

905 Cherry Street Unit #102, Seattle

Listing Broker: eXp Realty; Spencer Bowen; 206-920-9144; spencer@alliance.properties

1017 Minor Avenue Unit #206, Seattle
$218,000
1 Baths ⋅ 2584698 MLS ⋅ ACTIVE Status
LIGHT-FILLED SEATTLE CONDO WITH LOW HOA DUES & RENTAL FLEXIBILITY! Low HOA dues and a rental-friendly policy make this a compelling opportunity for homeowners and investors. Tucked on a quiet, tree-lined street between First Hill and Capitol Hill, this light-filled home offers a peaceful retreat with exceptional city access. Large windows bring in abundant natural light, while the flexible layout lives comfortably like a one-bedroom, with a defined sleeping area and separate living space. Generous storage includes a walk-in closet and extra building storage. Located on the private first floor at the back of a classic 1930 building, the home feels quiet and removed while keeping everything within easy reach. With a Walk Score of 98 and Transit Score of 100, Seattle University, First Hill hospitals, Whole Foods, Boon Boona Coffee, Salt & Straw, and Top Pot are just outside your door. Head to the rooftop terrace for open skies and city views. Light-filled, low-maintenance, exceptionally connected, and rental-friendly—no car necessary! For even more convenience, zoned street parking and secure garage parking options are available nearby, within just a few blocks.

1017 Minor Avenue Unit #206, Seattle

Listing Broker: Keller Williams Seattle Metro; Claire Lee; 707-337-7307; claire.lee@kw.com

905 Cherry Street Unit #205, Seattle
$395,000
2 Beds ⋅ 2 Baths ⋅ 2574044 MLS ⋅ ACTIVE Status
Enjoy peaceful mornings with coffee on your covered balcony as the neighborhood comes to life or unwind with dinner outdoors while taking in colorful Seattle evening light. Spend weekends strolling to Capitol Hill, downtown, or the Frye Art Museum, stopping at neighborhood cafés, restaurants, bakeries, and local favorites along the way, then return home to the warmth and timeless character of original exposed brick walls and beautifully renovated interiors. In the spring, Cherry Street lives up to its name, bursting into bloom with its iconic cherry blossoms, while year-round you'll appreciate updated kitchen and bathrooms, in-unit washer and dryer, secure parking, a rare in-city community garden, and a welcoming building of neighbors that truly feels like home. Perfectly positioned for those who crave the energy of city living without sacrificing comfort or connection, this exceptional residence offers outstanding urban mobility, convenient access to I-5, transit and everything that makes this vibrant Seattle neighborhood so special. Seller offering up to $15,000 credit at close! Buyer may apply to first year+ HOA dues, closing costs or rate buy down. Hip. Urban. Inviting.

905 Cherry Street Unit #205, Seattle

Listing Broker: Ensemble; Melissa Clark; 206-931-8986; melissa@teamupseattle.com

1105 Spring Street Unit #1203, Seattle
$250,000
1 Beds ⋅ 1 Baths ⋅ 2552897 MLS ⋅ ACTIVE Status
This 620 square foot residence is both elegant and serene. The spacious layout boasts abundant natural light throughout, complemented by a neutral color palette and modern finishes. The expansive living area provides ample room for relaxation, while the spacious bedroom offers a comfortable retreat. Adjacent to the bed and bath are large storage/closet spaces. The kitchen is equipped with modern s/s appliances, ample stone countertop space, and sleek cabinetry, creating an inviting culinary space. New Mohawk SmartStrand carpet, and fresh paint just added. The home includes large wall unit and mounted TV. Open windows frame the vibrant urban skyline, featuring towering skyscrapers and a bustling city landscape, offering a visually captivating backdrop. The inviting entrance and charming exterior contribute to the property's curb appeal, while the convenient location provides easy access to this dynamic city.

1105 Spring Street Unit #1203, Seattle

Listing Broker: Coldwell Banker Bain; Pamela Bowe; 206-947-7914; pamela.bowe@cbrealty.com

450 S Main Street Unit #811, Seattle
$658,000
2 Beds ⋅ 1 Baths ⋅ 2562383 MLS ⋅ ACTIVE Status
Perched in the heart of downtown Seattle, this KODA Condominiums residence delivers elevated urban living with a view to match. Floor-to-ceiling windows frame an ever-changing panorama of city skyline, Puget Sound, and the Olympic Mountains — sunsets here are a daily event. The versatile second bedroom flexes effortlessly as a home office, media room, or guest space to fit your lifestyle. This 2-bedroom, 1-bath home has been thoughtfully upgraded with custom closet systems and designer wood accent walls, adding warmth and function throughout. KODA's premium amenities include 24-hour concierge, a fully equipped fitness center, resident clubhouse, and a stunning rooftop deck with sweeping panoramic views. Set on a vibrant downtown corner, you're steps from top dining, shopping, transit, and both stadiums — this is downtown living at its finest.

450 S Main Street Unit #811, Seattle

Listing Broker: Windermere Real Estate/East; Anastasia Miles; 425-260-5881; amiles@signaturehomesnw.com

526 1st Avenue S Unit #405, Seattle
$649,900
2 Beds ⋅ 2 Baths ⋅ 2506996 MLS ⋅ ACTIVE Status
The location that WOWS - this 2 bedroom, 1.5 bathroom updated home has it all! Reversible AC units in all rooms, updated fans and lighting all in 2025 (over $30,000 spent). A chef's kitchen featuring Cambria Quartz countertops, stainless steel appliances (induction range!) with an open floor plan and 10ft windows near Lumen Field, T-Mobile Stadium, Pioneer Square restaurants, transit and more. Relax on your private East facing balcony, or near the woodburning fireplace. The pet-friendly building has a strong HOA. The second bedroom can flex as a workspace. The unit includes full-size, stacked washer and dryer. 96-walk score, 96-bike score and transit score-100! Outstanding location to enjoy everything Seattle! Make this your home today!

526 1st Avenue S Unit #405, Seattle

Listing Broker: Skyline Properties, Inc.; Jim Pullin; 206-429-5382; jim@realestatejim.com

4020 Aurora Avenue N Unit #403, Seattle
$335,000
1 Beds ⋅ 1 Baths ⋅ 2486965 MLS ⋅ ACTIVE Status
This stunning, well-kept, & spacious top-floor view unit is located in sought after COBRIZO! A prime urban location provides quick access to Wallingford, Queen Anne, Fremont, Woodland Park, Gasworks Park, Green Lake, Burke Gillman Trail & Downtown Seattle. Enjoy your coffee while taking in the breathtaking views of Mt. Rainier, Lake Union, Cascade Mountains, & City Skyline! Relax on your courtyard & don't miss the rooftop deck with Lake Union, Mountain, and city skyline views. GREAT SUNRISE & SUNSET VIEWS TOO! Building has a secure lobby entrance, elevator, and garage parking. Pet friendly & well run low HOA dues and no rental cap make this a great option for both investors & homeowners! Buyers to verify all information to own satisfaction!

4020 Aurora Avenue N Unit #403, Seattle

Listing Broker: Skyline Properties, Inc.; Arnold Dizon; 253-961-4951; arnold@skylineproperties.com

1017 Minor Avenue Unit #1303, Seattle
$675,000
2 Beds ⋅ 1 Baths ⋅ 2480711 MLS ⋅ ACTIVE Status
The Gainsborough is one of First Hill's premier steel and concrete high-rise buildings, filled with historic charm and glamour. Spacious living and dining room, tall ceilings, original hardwood floors, crown molding and new double pane windows. A northeast-corner unit, it takes full advantage of the city and Lake Union views. The kitchen has great natural light and new stainless-steel appliances. The 2 bedrooms are tucked away for the main living area, along with the fully renovated bath. The community rooftop terrace garden is a great space to relax and take in the city views. Garage parking + storage. Just a couple blocks to Capitol Hill's popular Pike/Pine neighborhood: shops, restaurants, bars, coffee shops and groceries. An easy walk to transit ride to downtown and South Lake Union. A convenient commute to SeaTac and the Eastside.

1017 Minor Avenue Unit #1303, Seattle

Listing Broker: Windermere Real Estate Co.; Ted Alton; 206-683-0490; Tedalton@windermere.com

1017 Minor Avenue Unit #1303, Seattle
$675,000
2 Beds ⋅ 1 Baths ⋅ 2472093 MLS ⋅ ACTIVE Status
The Gainsborough is one of First Hill's premier steel and concrete high-rise buildings, filled with historic charm and glamour. Spacious living and dining room, tall ceilings, original hardwood floors, crown molding and new double pane windows. A northeast-corner unit, it takes full advantage of the city and Lake Union views. The kitchen has great natural light and new stainless-steel appliances. The 2 bedrooms are tucked away for the main living area, along with the fully renovated bath. The community rooftop terrace garden is a great space to relax and take in the city views. Garage parking + storage. Just a couple blocks to Capitol Hill's popular Pike/Pine neighborhood: shops, restaurants, bars, coffee shops and groceries. An easy walk to transit ride to downtown and South Lake Union. A convenient commute to SeaTac and the Eastside.

1017 Minor Avenue Unit #1303, Seattle

Listing Broker: Windermere Real Estate Co.; Ted Alton; 206-683-0490; Tedalton@windermere.com

Start Your Search
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.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.