98117 Homes with FHA Terms

98117 Homes with FHA Terms

Welcome to the vibrant neighborhood of Seattle's 98117 zip code, a hidden gem nestled in the heart of King County, Washington. Known for its eclectic charm and stunning natural beauty, this area boasts a unique blend of urban convenience and suburban tranquility. Residents enjoy easy access to the bustling Seattle downtown while being surrounded by lush parks, scenic waterfronts, and a welcoming community atmosphere.

The 98117 zip code encompasses several charming neighborhoods, including Ballard and Crown Hill, each offering its own distinctive character. Ballard is renowned for its rich maritime history, lively farmers' market, and an array of trendy boutiques and restaurants. Meanwhile, Crown Hill provides a quieter, family-friendly environment with excellent schools and beautiful green spaces, perfect for outdoor enthusiasts.

For potential homeowners, the 98117 area is particularly appealing due to the availability of homes that qualify for Federal Housing Administration (FHA) financing. This means that first-time buyers and those with limited funds can access a variety of affordable housing options in this desirable location. FHA terms allow for lower down payments and flexible credit requirements, making it easier for you to step into homeownership in this vibrant Seattle community.

With its rich cultural tapestry, thriving local businesses, and proximity to the stunning Pacific Northwest landscape, the 98117 zip code is not just a place to live—it's a place to thrive. Explore the possibilities of calling this charming neighborhood home and discover the perfect blend of comfort, convenience, and community.

Newest 98117 Homes with FHA Terms

9032 14th Avenue NW Unit #D, Seattle
$499,000
3 Beds ⋅ 2 Baths ⋅ 2592733 MLS ⋅ ACTIVE Status
Discover a home that blends modern style with everyday comfort — a spacious and stylish 2-bedroom end unit townhome offering enhanced privacy, serene surroundings, and rooftop views that make every day feel a little more elevated. Step inside and you’re greeted by a warm, welcoming entry that sets the tone for the rest of the home. The main floor features a private bedroom, a full bath, and direct access to a cozy patio, creating an ideal space for guests, roommates, or a quiet home office tucked away from the main living areas. Head upstairs and the home opens up beautifully. The bright, open concept living area is wrapped in walls of windows, filling the space with natural light. Hardwood floors, ductless mini split systems, and a gourmet kitchen with stainless steel appliances. The entire third floor is dedicated to the primary suite, offering a true retreat with a spa like bath and generous closet space. It’s the kind of space that makes mornings feel calm and evenings feel restorative. And then there’s the rooftop deck — a standout feature that expands your living space into the open air. Whether you’re relaxing under the stars, enjoying weekend brunch, or entertaining friends, this large rooftop deck delivers the perfect backdrop. One designated parking space is included. No HOAs and no sewer capacity charges add exceptional value. A home that gives you style, space, and freedom — all in one.

9032 14th Avenue NW Unit #D, Seattle

Listing Broker: Alchemy Real Estate; Michael N. Carnovale; 206-650-1009; mike@carnovalegroup.com

6747 15th Avenue NW, Seattle
$849,950
3 Beds ⋅ 4 Baths ⋅ 2592706 MLS ⋅ ACTIVE Status
More home for your money with 2,000+ SF of space, flexibility, and modern living in Ballard. With 3 bedrooms, 3.5 baths, and zero HOA dues, this bright, spacious (not the typical skinny) townhouse offers room to entertain, work from home, and enjoy. The open main level features a generous kitchen with premium finishes flowing into south- and east-facing sunlit living and dining spaces. Upstairs, you’ll find the primary suite with a spa-inspired bathroom, second bedroom, and another bathroom. The ground-level third bedroom/flex space sets this home apart. With a private entrance, kitchenette, ¾ bath, and soaring 11-foot ceilings, it can also be a home office, guest suite, or creative studio with potential for additional income. Top it all off, a 700+ SF private rooftop terrace has Trex decking, gas hookup, Mt. Rainier and city views, and plenty of room to entertain. 92 Walk Score near 15th & 70th with easy access to Ballard dining, parks, and transit, plus dedicated driveway parking. Some photos virtually staged. 1% Financing Credit available via preferred lender.

6747 15th Avenue NW, Seattle

Listing Broker: Coldwell Banker Bain; Michael Kleinkemper; 314-755-6530; michael.kleinkemper@cbrealty.com

6527 12th Avenue NW, Seattle
$997,400
3 Beds ⋅ 2 Baths ⋅ 2592636 MLS ⋅ ACTIVE Status
Timeless 1929 Tudor charm meets thoughtful updates in this light-filled Whittier Heights home. Original character shines throughout, alongside a remodeled kitchen, updated plumbing and electrical, beautiful hardwood floors, and an expansive primary suite upstairs. The main level offers two bedrooms and a cozy living room, while the primary suite features a walk-in closet and plenty of space. Freshly painted inside and out, the home also offers a spacious, private backyard with new landscaping. Ideally located just two blocks from neighborhood favorites including Delancey, Rosellini’s, and Frankie & Jo’s, with Whittier Elementary just three blocks away and Kirke Park nearby. Perfectly situated between Downtown Ballard, Phinney Ridge, and Greenwood, providing easy access to Downtown Seattle. Don’t miss out on this one!

6527 12th Avenue NW, Seattle

Listing Broker: Lake & Company; Danny Adamson; 206-778-7563; danny@lakere.com

9051 2nd Avenue NW, Seattle
$665,000
2 Beds ⋅ 1 Baths ⋅ 2591303 MLS ⋅ ACTIVE Status
Just blocks from Greenwood’s lively mix of restaurants, bars, and grocery stores, and directly across from Sandel Park—with its playground and large field for sports and community events—this character-filled home offers an uncommon sense of retreat. An inviting front porch welcomes you inside to refinished fir and oak floors, an updated kitchen, a new bath, a primary bedroom, and a skylit nonconforming second bedroom. Outside, the sunny, spacious garden features mature fruit trees, perennial plantings, a raised bed, and a soothing water feature. A detached two-room building (approximately 300 sq. ft.) includes a bright studio with a high ceiling, French doors, and a stone terrace, plus a separate office—exceptional space for creative work or a home office. Alley access and a basement with laundry, workspace, and additional storage add everyday utility. With updated plumbing and electrical systems, this home is ready for you.

9051 2nd Avenue NW, Seattle

Listing Broker: Windermere R E Mount Baker; Simon Wolf; 206-930-8117; simonwolf@windermere.com

2305 NW 85th Street, Seattle
$1,025,000
4 Beds ⋅ 2 Baths ⋅ 2591793 MLS ⋅ ACTIVE Status
Lovingly cared for Craftsman in Ballard's Loyal Heights neighborhood. This light filled, 4 bedroom home has spacious rooms and has the perfect blend of modern upgrades and original charm. Updates include freshly refinished, gleaming hardwood floors, remodeled kitchen with quartz counters and tile, updated systems, air conditioning & more! Large formal dining room with French doors leading to a 320+ square foot deck and the private, fully fenced yard. Remodeled basement has a second kitchen with ADU or rental potential. Really cool, 200+sf sound proofed studio in the back yard-great for music or any of your hobbies. Can also convert back to a garage off the alley. Close to great schools & plenty of parks (including Golden Gardens) and perfectly located between Ballard & Greenwood. All amenities close by and great for public transportation or commuting downtown.

2305 NW 85th Street, Seattle

Listing Broker: Lake & Company; Danny Adamson; 206-778-7563; danny@lakere.com

7000 32nd Avenue NW Unit #C, Seattle
$899,000
3 Beds ⋅ 2 Baths ⋅ 2591543 MLS ⋅ ACTIVE Status
Looking for a home that truly checks all the boxes? This 3 bedroom, 2 bath modern home delivers style, comfort, and an unbeatable Sunset Hill location. Restaurants, cafés, and boutique shopping are just steps from your door, while Shilshole Bay, the Marina, Golden Gardens, and Sunset Hill Park are only minutes away—offering the perfect blend of convenience and modern Northwest living. Inside, the thoughtful layout creates an effortless flow for cooking, dining, and relaxing. The kitchen provides generous storage and ample countertop space, making everyday living and entertaining easy. Upstairs, all three bedrooms sit on the same level, including a beautifully finished primary suite with custom closets and a luxurious, spa inspired bathroom. The fenced in yard is a standout feature, complete with artificial turf for low maintenance enjoyment. The BBQ and outdoor furniture are included, making the space immediately ready for gatherings and relaxation. The attached garage offers both convenience and security and comes pre wired for EV charging, ensuring the home is future ready in every way. A standout opportunity in one of Ballard’s most sought after neighborhoods—where modern design meets exceptional walkability and a vibrant community.

7000 32nd Avenue NW Unit #C, Seattle

Listing Broker: Alchemy Real Estate; Michael N. Carnovale; 206-650-1009; mike@carnovalegroup.com

8317 B 12th Avenue NW, Seattle
$789,950
3 Beds ⋅ 3 Baths ⋅ 2591050 MLS ⋅ ACTIVE Status
SELLER PAID 2/1 BUYDOWN!! (Terms apply*) Set on a quiet, tree-lined stretch of 12th Ave NW, this Willow 12th residence pairs modern design modern design with outdoor living in one of Ballard's most connected pockets. A private, partially covered courtyard leads into a bright interior with wide-plank floors, recessed lighting, and walls of glass. The open main level flows from a kitchen with stainless appliances, and sleek full-height cabinetry into a living area where floor-to-ceiling windows and clerestory glass pull in light all day. The mid-level offers a secondary bedroom, full bath, and a versatile office or den. The entire top floor is a primary suite with a private balcony, a walk-in closet with custom built-ins, and a spa-style bath with a freestanding soaking tub, glass-enclosed shower, and double vanity. Ductless heating and cooling, dedicated laundry, and dedicated parking round out the home. Minutes to Soundview Playfield, Baker Park, and the dining and shops of Ballard and Crown Hill.

8317 B 12th Avenue NW, Seattle

Listing Broker: Windermere RE/Capitol Hill,Inc; Ray York; 206-222-7634; Ray@VWPRE.com

8323 C 12th Avenue NW, Seattle
$864,950
3 Beds ⋅ 3 Baths ⋅ 2591041 MLS ⋅ ACTIVE Status
SELLER PAID 2/1 BUYDOWN!! (Terms apply*) Tucked along a quiet, tree-lined stretch of 12th Ave NW, this Willow 12th residence delivers thoughtful design, outdoor living on multiple levels, and an approachable entry point into one of Ballard’s most livable pockets. A private, partially covered courtyard sets the tone—ideal for morning coffee, container gardening, or an evening unwind—before stepping inside to a warm, modern interior finished with wide-plank floors, clean lines, and abundant natural light. The main level flows easily from a well-appointed kitchen with gas cooking and contemporary cabinetry through the dining area and into the living room, where oversized windows and courtyard access blur the line between inside and out. One level hosts a secondary bedroom, a full bath, and a flexible office or den—perfect for remote work, creative space, or a guest retreat. The top floor is reserved for the primary suite, offering privacy, generous proportions, and direct access to a personal balcony—your own elevated escape above the neighborhood. Comfort and efficiency are built in, with modern systems, smart storage, and dedicated parking adding everyday ease. Just blocks away, enjoy Soundview Playfield, Baker Park, Golden Gardens, and a growing mix of local dining and shopping, all while staying connected to Ballard, Crown Hill, and beyond. A home designed to feel grounded, livable, and quietly special—this is Willow 12th living in its most refined form.

8323 C 12th Avenue NW, Seattle

Listing Broker: Windermere RE/Capitol Hill,Inc; Ray York; 206-222-7634; Ray@VWPRE.com

9515 A 8th Avenue NW, Seattle
$719,888
3 Beds ⋅ 3 Baths ⋅ 2590800 MLS ⋅ ACTIVE Status
Built Green 4-Star living in a highly sought-after Crown Hill location! Built in 2018, this modern, light-filled home offers 1,370 sq ft, 3 true bedrooms and 2.5 baths, with a thoughtful layout that lives more like a home than a typical Seattle townhome. The entry level features 2 bedrooms and a full bath, ideal for bedrooms, guests or a dedicated home office. The bright main level features solid hardwood floors, abundant natural light and a beautifully appointed kitchen with gas range, waterfall-edge countertops, generous workspace, ample storage + pantry and oversized island. Upstairs, the entire floor is dedicated to an oversized primary suite with a double-vanity en-suite, walk-in rainfall shower, walk-in closet and full-size laundry. Enjoy your sunny, private rooftop deck for morning coffee, summer dinners, sunset drinks or entertaining under the Seattle sky. Efficient ductless mini-splits provide year-round heating and A/C, while dedicated off-street parking adds everyday convenience. Best of all - NO HOA, a rare find for Seattle townhome living. A full home inspection is available for added peace of mind. Tucked into a residential pocket away from major arterials, yet minutes from top-rated schools, dining, shopping, parks, Crown Hill, Ballard, Greenwood and Green Lake.

9515 A 8th Avenue NW, Seattle

Listing Broker: Heaton Dainard, LLC; Kaelan Rae Haag; 425-305-6025; haag.kaelan@gmail.com

7355 17th Avenue NW, Seattle
$825,000
2 Beds ⋅ 2 Baths ⋅ 2590077 MLS ⋅ ACTIVE Status
Fantastic Opportunity in Loyal Heights! Solid and well-located, this charming home sits on a level 4,200 sq. ft. lot in one of Ballard’s most desirable neighborhoods. The light-filled main level features original hardwood floors, high ceilings, 2 bedrooms, and a full bath, creating a warm and comfortable living space with plenty of character.The spacious unfinished lower level, complete with its own exterior access in front or back, offers endless possibilities for future living space, a home office, recreation room, workshop, or additional storage. Step outside to enjoy detached shop and fully fenced backyard—perfect for relaxing, entertaining, gardening, or enjoying Seattle’s beautiful seasons.Ideally located in friendly Loyal Heights, close to neighborhood cafes, dining, parks, transit, and all that downtown Ballard has to offer.

7355 17th Avenue NW, Seattle

Listing Broker: Windermere Real Estate Central; Garrett Brown; 425-533-8459; gbrown@windermere.com

8541 14th Avenue NW Unit #B, Seattle
$930,000
3 Beds ⋅ 2 Baths ⋅ 2588886 MLS ⋅ ACTIVE Status
This modern Built Green 4-Star townhome is perfectly situated in the highly sought-after Crown Hill neighborhood. An 8-ft entry door welcomes you to the main level featuring a private home office/den, generous bedroom with dual closets & full bath with tub/shower combo. Upstairs, the main living space is bright, airy & open with high ceilings and oversized windows bringing in abundant natural light. The living area flows effortlessly into the dining space & culinary kitchen, while high-efficiency mini-splits provide year-round heating & A/C. Ideal for entertaining, the kitchen features premium quartz countertops, classic tile backsplash, stainless steel appliances, built-in microwave, center island with bar seating & a dedicated wall of pantry cabinetry for integrated storage. The third floor opens to a versatile flex space ready to fit your lifestyle & vision. The primary suite is a serene retreat with tall ceilings, large windows & a walk-through dual-sided closet leading to an ensuite with double-sink vanity & spacious custom-tiled walk-in shower. A third bedroom, convenient laundry station with stackable washer/dryer & energy-efficient hybrid water heater complete this level. The home culminates in an expansive rooftop deck with sweeping city views, an exceptional setting for outdoor entertaining. Enjoy EV-ready assigned parking spot & a prime location moments from convenient transit options to Downtown Seattle & South Lake Union.

8541 14th Avenue NW Unit #B, Seattle

Listing Broker: Keller Williams Realty PS; Edgar Sarkisyan; 206-407-8943; edgar@thesarkgroup.com

6525 3rd Avenue NW, Seattle
$1,199,000
4 Beds ⋅ 3 Baths ⋅ 2589207 MLS ⋅ ACTIVE Status
Beautifully tailored for modern life, this Phinney Ridge craftsman sits in the heart of one of Seattle's most walkable neighborhoods. Thoughtfully remodeled, it offers elegant spaces and exceptional flexibility. The main level is anchored by a kitchen you'll want to spend time in-open and inviting with generous cabinetry, quartz counters, eat-in peninsula, stainless appliances, and gas cooking. The space flows to the deck and yard or into the custom dining area- the banquette and handcrafted table stay. Gather around the wood-burning fireplace on winter evenings or enjoy the A/C and host with ease year-round. The upper level delivers a touch of Parisian farmhouse charm with exposed trusses, built-ins tucked into the eaves, glass doors, and views of the Olympics. Design-forward finishes throughout; wide-plank flooring, mid-century lighting, vintage bronze-and-glass hardware, and hex tile. Downstairs, the lower level can flex as a media room, gym, creative studio, guest suite, or work-from-home headquarters, complete with its own bath and wet bar. An attached tandem two-car garage plus off-street carport provide rare space for parking, hobbies, and gear. Outside, the fully fenced yard is quiet, private and low-maintenance. Just a five-minute stroll to neighborhood favorites including Ben's Bread, Café Bambino, Mainstay Provisions, and more, with Woodland Park, Ballard, and multiple transit options nearby. Polished without feeling precious, this cozy modern gem is delightful!

6525 3rd Avenue NW, Seattle

Listing Broker: Windermere R E Mount Baker; Sarah V. Rudinoff; 206-276-5476; sarahru@windermere.com

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