98112 Homes with FHA Terms

98112 Homes with FHA Terms

Welcome to the vibrant neighborhood of Seattle, Washington, nestled within the picturesque 98112 zip code! This area is a hidden gem, offering a harmonious blend of urban convenience and natural beauty. Bordered by the stunning shores of Lake Washington and the lush expanses of the Washington Park Arboretum, residents enjoy an idyllic lifestyle enriched by outdoor activities and scenic views.

The 98112 zip code is characterized by its charming tree-lined streets, historic homes, and a diverse community. From quaint bungalows to modern townhouses, the architectural styles here reflect the rich history and cultural tapestry of Seattle. This neighborhood is not just about aesthetics; it’s about community. Local parks, vibrant farmers' markets, and unique boutiques create a warm, welcoming atmosphere that makes it easy to connect with neighbors and enjoy the best of what Seattle has to offer.

For prospective homeowners, the availability of FHA financing terms in this area opens the door to many opportunities. FHA loans are designed to make homeownership more accessible, allowing buyers to secure homes with lower down payments and flexible credit requirements. This is particularly advantageous in a competitive market like Seattle, where home prices can be higher than the national average.

Whether you're a first-time buyer looking to plant roots in a thriving community or a seasoned investor seeking a property with great potential, the 98112 zip code is a fantastic choice. Discover the charm, convenience, and possibilities that await you in this remarkable Seattle neighborhood!

Newest 98112 Homes with FHA Terms

809 23rd Avenue E, Seattle
$899,950
3 Beds ⋅ 1 Baths ⋅ 2588151 MLS ⋅ ACTIVE Status
Perched high above the street and wrapped in mature landscaping, this classic Capitol Hill Craftsman strikes a rare balance of privacy, personality, and incredible in-city convenience while putting the best of Seattle right outside your door. Inside, the updated kitchen makes a memorable statement (with slate countertops repurposed from the original blackboards of Garfield High School) as it opens seamlessly to generous spaces filled with Craftsman character: original millwork, warm hardwood floors, leaded-glass windows, and a picture-perfect window seat made for lingering with a book or morning coffee. The flexible layout delivers three bedrooms plus a vibey parlor, while the open-concept living, dining, and kitchen configuration makes everyday life and entertaining feel effortless. Two alley-access parking spaces add a coveted dose of convenience, and downstairs, the unfinished basement offers abundant storage and plenty of room to imagine the next chapter. Ideally located just minutes from the Pike/Pine corridor, Madison Park, Washington Park Arboretum, and the University of Washington, with multiple transit options nearby and easy access to SR 520 for Eastside commuters, this is a distinctive home in a prime Capitol Hill setting, with character you can’t recreate and potential you can shape. Come and welcome this special Seattle home to its next chapter.

809 23rd Avenue E, Seattle

Listing Broker: Windermere RE/Capitol Hill,Inc; Josh Paulus; 206-657-6526; joshpaulus@windermere.com

608 18th Ave E Unit #A, Seattle
$1,500,000
3 Beds ⋅ 3 Baths ⋅ 2586597 MLS ⋅ ACTIVE Status
Rarely does a North Capitol Hill townhome offer this combination of scale, two-car parking, exceptional outdoor living, and thoughtful luxury upgrades. This impressive 2,250 SF residence features three bedrooms, 2.5 baths, an oversized garage, an additional carport space, and abundant storage, all in one of Seattle’s most coveted neighborhoods. Ideally situated in the heart of North Capitol Hill, the home is surrounded by acclaimed restaurants, cafés, parks, and neighborhood favorites. Inside, the residence has been thoughtfully enhanced with a finished heated garage, smart home technology, Lutron automated shades throughout, custom closet systems, and an extensive list of additional upgrades. The spacious living room opens seamlessly to a large private terrace, creating the perfect setting for entertaining or enjoying the outdoors. On the top floor, a versatile bonus room offers the flexibility of a home office, media room, or additional living space, with direct access to a private rooftop deck showcasing beautiful city and mountain views. A rare combination of generous scale, two-car parking, abundant storage, sophisticated upgrades, and elevated indoor-outdoor living, all in the heart of North Capitol Hill.

608 18th Ave E Unit #A, Seattle

Listing Broker: Windermere RE/Capitol Hill,Inc; Xi Peng; 206-393-2805; xi@windermere.com

215 20th Avenue E Unit #204, Seattle
$565,000
2 Beds ⋅ 2 Baths ⋅ 2585436 MLS ⋅ ACTIVE Status
Experience the best of Capitol Hill living in this bright, end-unit two bedroom, two-bathroom condo at Miller Place, a boutique building on a quiet, tree-lined street. This 944 square foot home offers extra windows and added privacy thanks to its coveted end-unit position, with an open-concept layout centered around a cozy gas fireplace. In-unit laundry and generous storage add everyday convenience, while the kitchen offers ample cabinetry and counter space for effortless entertaining. Both bedrooms are well-proportioned, with the primary suite featuring its own ensuite bath for added privacy and comfort. The pet-friendly building offers exceptional value, with HOA dues covering gas, water, sewer, and garbage. Located directly across from Miller Park Community Center, residents can easily enjoy pickleball and tennis courts, sports fields, a playground, and a gym. With a Walk Score of 94, this peaceful urban retreat is just moments from light rail, grocery stores, local shops, cafés, hospitals, downtown Seattle, South Lake Union and major freeways. Enjoy the perfect blend of comfort, convenience, and a truly walkable Capitol Hill lifestyle. There are only 4 total slots available for the rental cap, and currently only 1 remains.

215 20th Avenue E Unit #204, Seattle

Listing Broker: RE/MAX Town Center; Ness Karali; 425-516-9555; nesskarali@gmail.com

607 23rd Avenue E, Seattle
$895,000
3 Beds ⋅ 2 Baths ⋅ 2579141 MLS ⋅ ACTIVE Status
Single-family living in North Capitol Hill offers a rare combination of privacy, space and exceptional city access. Inviting home pairs original hardwood floors and a fireplace with an open living/dining area designed for everyday living and entertaining. French doors open to a flexible bedroom, office or den. The updated kitchen impresses with quartz counters, custom storage, stainless appliances, gas cooking and double ovens. Retreat to a primary suite with 3/4 bath and abundant built-ins. Outside, a fully fenced backyard, expansive deck, mature shade tree and covered patio create a setting perfect for gatherings. Two alley-access parking spaces add convenience. Mini-split heating/AC plus major updates including roof, electrical panel, sewer line and water heater add peace of mind. Near parks, dining, groceries, transit and convenient Eastside connections.

607 23rd Avenue E, Seattle

Listing Broker: Windermere RE Greenwood; Junior Torres; 206-854-5596; junior@windermere.com

2604 E Ward Street, Seattle
$2,375,000
5 Beds ⋅ 4 Baths ⋅ 2584103 MLS ⋅ ACTIVE Status
Built in 2019, this eco-friendly home shines like new with quality materials and thoughtful systems throughout. Huge windows and high ceilings fill this amazing layout with natural light. Located on a quiet street just one block from the Arboretum, close to Capitol Hill and Madison Valley. Bright main level living features indoor and outdoor enjoyment. The spacious living room is surrounded by gorgeous, low-maintenance landscaping and a new fence. Stunning kitchen with Wolf 5-burner induction range, Bosch appliances, sleek design, great dining space and convenient half-bath. Upstairs, the spacious primary suite offers an ensuite bath and large walk-in closet, plus 3 additional bedrooms, guest bath and oversized laundry room. The top floor has an epic second living/hobby/music space with wet bar and a spacious rooftop deck with expansive territorial views over the Arboretum. Plus, an excellent 5th bedroom guest suite or 2nd primary w/ ensuite bath. A top floor beats a basement for bonus living! 2-car attached garage, solar panels and a battery backup. Over $100K in designer landscaping, plus a new fence and drip irrigation. Premium systems deliver ultra-efficient living and low utility bills, including PEAD heating/cooling, 2 ERVs for filtered fresh air throughout, impressive solar panels ($25K) and 'peace of mind' battery backup ($22K). Off-grid ready! Luxury green living at its best, right next to Seattle’s favorite green space—the Arboretum.

2604 E Ward Street, Seattle

Listing Broker: Windermere Real Estate Midtown; Javila Creer; 206-527-5445; javila@windermere.com

104 -A 19th E, Seattle
$1,150,000
3 Beds ⋅ 3 Baths ⋅ 2584243 MLS ⋅ ACTIVE Status
Elevate + Excite + Inspire: this Distinct Miller Park Modern home offers a unique floorplan and enviable views! Not your typical townhome: end unit is sited back off the street for privacy, and has rare 3 Bedrooms + Office space. Ascend to the upper Greatroom with floor to ceiling windows which frame the views and abundant natural light, and a deck off the living room. Open plan living with an actual dining room space to seat 8+ at the Room and Board parsons table. Kitchen for hosting with great connectivity to the star of the show: the roof top deck perfect for entertaining with City, Cascade Mtn & Lake views. Plenty of room on the upper outdoor living space for your lounge set or container gardening. Primary ensuite retreat with great closet space and it's own ¾ bath attached: double vanity, tile floor, and glass shower. Two bedrooms + guest bath and laundry easily accessible. Bonus office space is perfect for WFH. Oversized garage parking, with space for a home gym or storage for all your PNW gear, and extra driveway parking for a 2nd car. Many extras like skylights, and AC cooling via minisplits! Thrive in this convenient neighborhood with it's lovely tree-lined street, and access to all your favorite North Cap Hill spots: Miller Park pickleball courts, Macrina Bakery, Westmans Bagel, Broadcast Coffee, Bequest for Brunch, Hyson for Boba, Rapid Ride bus, the Arboretum & more! WalkScore=92 !

104 -A 19th E, Seattle

Listing Broker: Windermere Real Estate Midtown; Leah Davidson; 206-992-2019; Leah@windermere.com

504 23rd Avenue E, Seattle
$1,150,000
3 Beds ⋅ 3 Baths ⋅ 2575439 MLS ⋅ ACTIVE Status
This beautifully maintained Craftsman home blends classic architectural warmth w/ thoughtful updates designed for today’s lifestyle. The main level welcomes you with formal living and dining spaces, an inviting flow, and an updated bath. The standout kitchen features granite counters, travertine floors, and a generous breakfast nook—perfect for morning coffee or casual gatherings. Upstairs, two serene bedrooms, a bonus flex area, and a gorgeous full bath create a private retreat. Enjoy summer evenings on the BBQ-ready deck with neighborhood views. The finished basement adds valuable versatility with a ¾ bath, storage, and utility room. Two off-street parking spots—including one covered—plus A/C, a tankless water heater & a brand new furnace. Set at the crossroads of Capitol Hill, Madison Valley, and Montlake, this home offers premium location, quick access to downtown, SLU, and UW, and proximity to parks and lakefront escapes. Ideal for move-up buyers seeking charm, convenience, and long-term value in one of Seattle’s most desirable micro-neighborhoods.

504 23rd Avenue E, Seattle

Listing Broker: John L. Scott, Inc.; Darren Bandow; 206-300-5020; darrenbandow@johnlscott.com

1624 E McGraw Street, Seattle
$1,525,000
4 Beds ⋅ 3 Baths ⋅ 2569905 MLS ⋅ PENDING - BACKUP OFFER REQUESTED 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 Broker: Mezzanine Properties Inc; Jon Woo; 425-903-9835; jon@jonwoorealestate.com

226 B 26th Avenue E, Seattle
$775,000
3 Beds ⋅ 3 Baths ⋅ 2565890 MLS ⋅ ACTIVE Status
Tucked away on a quiet, unassuming street in Madison Valley — just steps from Harvest Vine and on the cusp of Madison Park — this three-bedroom townhome is a rare find in one of Seattle's most coveted pockets. Freshly updated with a brand new roof and exterior paint, it's ready to move in. Warm wood floors flow throughout the main living spaces, anchored by a gas fireplace with built-ins, a cozy window seat and a spacious kitchen with an island. Grilling is made easy from the deck located directly off the kitchen, and overlooks your own private garden. Upstairs, two bedrooms each offer their own ensuite bathrooms and vaulted ceilings while a third ensuite bedroom is located on the lower level, making it an ideal layout for hosting guests. Located mere minutes to UW, Capitol Hill, the WA Park Arboretum and Playfields, and Downtown, with neighborhood shops and restaurants right around the corner, this is Seattle living at its best.

226 B 26th Avenue E, Seattle

Listing Broker: Windermere Real Estate Midtown; Larry Wilcynski; 206-331-3960; larry@wilcynskipartners.com

2501 Canterbury Lane E Unit #320, Seattle
$449,000
2 Beds ⋅ 1 Baths ⋅ 2567060 MLS ⋅ ACTIVE Status
Step into sun-drenched waterfront living with this west-facing 3rd-floor (of four) view condominium at Canterbury Shores in coveted Madison Park. This spacious home features open entertainment areas, an updated kitchen, in-unit laundry, and a private covered deck with views toward evening sunsets, Lake Washington, and the UW football stadium. Additional conveniences include dedicated parking and private storage. Professionally managed Association on over three acres of park-like grounds. Residents enjoy full-time on-site management, elevators, fitness room, outdoor heated pool, private dock with boat moorage, kayak/paddleboard storage, little sandy beach, bike storage, and beautifully landscaped open lawns. The community recently completed an $11 million renovation including new siding, roof, windows, and patios, with no rental cap and no special assessments. Moments from Madison Park Beach, charming shops, cafés, restaurants, parks, the Washington Park Arboretum, and a transit stop providing direct access to light rail and downtown Seattle, plus easy connections to the University of Washington, Bellevue, the Eastside, and I-5. Enjoy a rare resort-style waterfront lifestyle—and a fantastic value—where every day feels a little more like a vacation.

2501 Canterbury Lane E Unit #320, Seattle

Listing Broker: Windermere Real Estate/East; Skylar Agnew; 206-335-9537; skylar@windermere.com

427 19th Avenue E, Seattle
$1,149,000
3 Beds ⋅ 3 Baths ⋅ 2564962 MLS ⋅ ACTIVE Status
Special Financing available, No Down Payment options for qualified borrowers! Welcome to Miller Park 6, a distinctive new community in the heart of East Capitol Hill, just steps from Miller Park and the shops and restaurants along 19th Avenue. This sun-filled south end unit spans four thoughtfully designed levels and offers 1,825 square feet of modern living with 3 bedrooms and 2.25 bathrooms. Built by Greenway Homes and certified 4-Star Built Green, the home blends contemporary style with energy-efficient comfort, including ductless mini-split heating and cooling, a heat pump, and an HRV/ERV system. The open main level features engineered hardwood floors, a sleek kitchen with premium appliances, generous dining and living spaces, and abundant natural light. A perfect place to host, unwind, or watch the game. The private upper-level primary suite offers a spa-inspired bath and a quiet retreat above the city. Crowning the home is an expansive private rooftop deck with space for dining and entertaining, plus sweeping views of the Bellevue skyline and Lake Washington. EV-ready off-street parking is conveniently located in the alley. Enjoy a quieter residential setting while staying close to neighborhood cafés, restaurants, shops, nightlife, transit, and everyday conveniences. Miller Park 6 offers the space, light, views, and lifestyle that make Capitol Hill living so appealing.

427 19th Avenue E, Seattle

Listing Broker: Berkshire Hathaway HS NW; Mark Leingang; 425-390-4247; markleingang@bhhsnwrealestate.com

305 17th Avenue E, Seattle
$1,091,550
3 Beds ⋅ 3 Baths ⋅ 2564318 MLS ⋅ ACTIVE Status
Experience the best of Capitol Hill living in this stunning modern townhome, ideally located just steps from the vibrant shops, cafés and acclaimed restaurants. Thoughtfully designed with an open-concept floorplan, this spacious three-bedroom home offers the perfect blend of contemporary style, comfort, and functionality. The chef-inspired kitchen features striking waterfall quartz countertops, premium stainless-steel appliances, sleek modern cabinetry, and seamless flow into the expansive living and dining areas, creating an ideal space for entertaining. The luxurious primary suite provides a private retreat with spa-inspired finishes, while beautifully appointed bathrooms showcase designer touches throughout. The versatile lower level offers endless flexibility as a guest suite, home office, media room, gym, or multi-generational living space. Escape to the spectacular private rooftop deck and enjoy breathtaking Seattle skyline views, the perfect backdrop for morning coffee, sunset gatherings, or entertaining. Additional highlights include efficient mini-split heating and air conditioning, secured garage parking, and a beautifully landscaped shared courtyard. With an exceptional Walk Score, easy access to downtown Seattle, South Lake Union, Amazon, light rail, Cal Anderson Park, Volunteer Park, and countless amenities, move-in-ready home offers ultimate combination of luxury, convenience, and urban living in one of Seattle's most sought-after neighborhoods.

305 17th Avenue E, Seattle

Listing Broker: John L. Scott, Inc; Phillip T. Rodocker; 206-914-7252; philr@johnlscott.com

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