Independence Homes with USDA Loan Financing

Welcome to Independence, a vibrant city located in the heart of the Midwest. Known for its rich history, friendly community, and charming neighborhoods, Independence offers a perfect blend of small-town charm and modern amenities.

If you are considering buying a home in Independence, you'll be delighted to know that many properties in the area qualify for USDA loan financing. This type of loan is backed by the United States Department of Agriculture and is designed to help moderate to low-income homebuyers achieve their dream of homeownership. With a USDA loan, you may be eligible for 100% financing, low-interest rates, and affordable mortgage insurance, making it an attractive option for first-time homebuyers and those looking to move to Independence.

Whether you're interested in a cozy bungalow in the historic district or a spacious family home in a quiet suburban neighborhood, Independence has a diverse range of homes that are eligible for USDA loan financing. Take advantage of this opportunity to find your perfect home in this charming city and enjoy all that Independence has to offer.

Contact us today to learn more about homes with USDA loan financing in Independence and start your journey towards owning a home in this wonderful community.

Newest Independence Homes with USDA Loan Financing

$84,900

3 Beds ⋅ 1 Baths

Great starter home alert! This 3 bedroom, 1 bathroom home sits on a corner lot and is ready for its next owner. It features a new roof installed in 2022, along with updated paint and flooring throughout. The many windows let in plenty of natural light, giving the home a bright, welcoming feel. The spacious kitchen offers plenty of room to cook and gather, while the detached garage would make a great workshop, storage space, or hobby area. Be sure to add this one to your list and schedule a showing!

800 E Hill Street, Independence

Listing courtesy of Zac George of Golden Oak Real Estate, LLC.

$110,000

2 Beds ⋅ 2 Baths

This 2-bedroom, 2-bath home offers 1,188 square feet on the main level, plus a full basement with its own full bathroom—giving you all kinds of options for a second living area, game room, guest space, home office, or just the extra storage everyone seems to need. The kitchen opens right into the living room, so you can stay part of the conversation while cooking, and the fireplace adds a warm, cozy touch to the main living space. Outside, you'll appreciate having both a garage and a carport, giving you plenty of room for vehicles, projects, or additional storage. Homes with this much flexible space don't come along every day. Come take a look and see how easily you could make 417 E. Edison feel like home!

417 E Edison Street, Independence

Listing courtesy of Lori Wesselowski of Coldwell Banker Pasternak Johnson.

$195,000

3 Beds ⋅ 2 Baths

Win, Win Win! This Home is in a Great Location, Nice Neighborhood with a Corner Lot on a Dead End Road! This Well Maintained Brick Ranch will Check Your Boxes! Includes 3 Bedrooms, 2 Full Baths, Master Suite w/Bath and Walk In Closet, Spacious Kitchen w/Appliances, Dining Area, Living Room w/Wood Burning Fireplace, Laundry Room, Oversized 2 Car Attched Garage w/Shop Area, Pull Down Storage w/Some Flooring , Back Covered Patio, Fenced In Back Yard Area, Storage Shed and a Concrete Pad to Park the Camper or Extra Vehicles! The Owners have Replaced the Flooring Throughout and Painted the Interior and Exterior! In Addition, the Security System will Remain! It is a Ring System with Smoke/Carbon Monoxide Alarms, Door Sensors, Doorbell Camera, Garage Motion Light/Camera, and a Patio Camera!

2000 N 11th Street, Independence

Listing courtesy of Michelle Loganbill of Coldwell Banker Pasternak Johnson.

$80,000

2 Beds ⋅ 1 Baths

Charming & Move-In Ready in Independence! This freshly painted 2-bedroom, 1-bath home features brand-new carpet throughout and a warm, inviting feel from the moment you walk in. The spacious family room offers great space to relax or entertain, while the updated kitchen is perfect for everyday cooking or larger family events. Sip your morning coffee or unwind in the evening on the screened-in front porch. Ideally located and well-maintained, this home is a fantastic fit for first-time buyers, downsizers, or investors alike. Don't miss 1309 Irving — schedule your showing today!

1309 Irving Street, Independence

Listing courtesy of Lori Wesselowski of Coldwell Banker Pasternak Johnson.

$314,900

2 Beds ⋅ 2 Baths

Well maintained patio home on quite corner lot. Maintenance provided community with monthly dues of ONLY $70.00 per month (lawn, trash, snow removal). New carpet (2026) and new interior paint (2026).

1808 N Keenan Street, Independence

Listing courtesy of Scott Emmack of ASI Real Estate Group LLC.

$294,900

3 Beds ⋅ 2 Baths

Brand new construction.

606 Catalpa Street, Independence

Listing courtesy of Tucker Killian of Bill White Realty.

$236,000

3 Beds ⋅ 2 Baths

This brand new home is just what you've been looking for! Move right in where everything is new, fresh, and clean!The open floor plan creates a flow that is so adaptable for today's living. The new laminate floors in the living area will coordinate with any color scheme that you desire. The carpeted bedrooms are neutral as well. All the appliances make for stress free living. Wouldn't you just love a new home? You deserve it!

507 Pearl Avenue, Independence

Listing courtesy of Todd Young of Keller Williams Realty Select.

$80,000

2 Beds ⋅ 1 Baths

This very nice 2 bedroom bungalow is waiting for the new owner to move in and call it home. Vinyl siding means no more outside painting. A NEW roof was put on in 2024. The front room and dining area have a lot of room, and just wait until you see the kitchen. WOW! It's surprisingly spacious. The back and front yards are fenced. The back yard garage/shop is a great space for all kinds of projects. Comw on in!

222 S Burns Street, Independence

Listing courtesy of Todd Young of Keller Williams Realty Select.

$274,900

3 Beds ⋅ 3 Baths

Motivated Seller!! Offering up to $5k in seller paid closing costs to buyer**** Renovated 2-story home in an established Independence neighborhood featuring primary living spaces on the upper level. Upstairs you’ll find the kitchen, dining area, and living room with refinished hardwood floors, new carpet, and fresh interior paint throughout, along with 3 bedrooms and 2 full bathrooms including the primary suite. The entry/garage level offers excellent additional living space with a large family room, kitchenette, full bathroom, non-conforming bedroom, and generous storage ideal for guests, multigenerational living, or a home office setup. Enjoy a spacious backyard, storage shed, and 2-car garage. Move-in ready with updates already completed.

15110 E 43rd Place, Independence

Listing courtesy of Alyssa Rhodes of Realty ONE Group Esteem.

$140,000

2 Beds ⋅ 2 Baths

WOW! This is the home you've been waiting for! From the moment you step through the front door, you'll be welcomed by all the natural light, beautiful flooring, and a warm, inviting atmosphere that instantly feels like home. This charming 2-bedroom, 2 full bath home offers 1,422 square feet of beautifully maintained living space. The cozy gas fireplace serves as the centerpiece of the living room, creating the perfect place to relax on chilly winter evenings. The true showstopper is the stunning, fully remodeled bathroom, complete with luxurious heated floors that transform your daily routine into a spa-like experience. Beyond the beautiful finishes, this home offers the updates buyers love most. With updated wiring and plumbing, you can move in with confidence knowing many of the major improvements have already been completed. The oversized two-car garage provides plenty of room for vehicles, tools, hobbies, and additional storage—a rare bonus! Location is another standout feature. Situated on a quiet street, you'll enjoy being just moments from Riverside Park, the Central Park Sports Complex, and the Dog Park, making it easy to take advantage of recreation, walking trails, and community events. Whether you're searching for your first home, looking to downsize, or wanting a truly move-in-ready investment, this property checks every box. Homes that combine timeless charm, quality updates, and an exceptional location don't stay on the market for long. Schedule your private showing today and come see why you'll want to call this one home!

1004 N 2nd Street, Independence

Listing courtesy of Lori Wesselowski of Coldwell Banker Pasternak Johnson.

$274,000

3 Beds ⋅ 1.5 Baths

This ranch-style home on 1.43 acres is a must-see! Where affordability meets convenience, this spacious home is situated nicely in a charming neighborhood and offers fantastic backyard privacy. Inside, the home features beautiful hardwood floors, upgraded double-pane vinyl windows, custom-built oak kitchen cabinets, and a large living room with floor-to-ceiling windows looking over the large back yard. The basement of this home offers a walk-out door, large windows, a kitchen, and a concrete safe room/storm shelter, creating a versatile space ready for your finishing touches, whether it is a rec-room, bedroom or even possibly a completely separate living space. Out back, looking over the large yard you will find a spacious deck that wraps from the side of the home around to the back side of the home, offering a great space to entertain friends and family while hosting the next Super Bowl watch party with our beloved CHIEFS! This is an ideal home for single-level living needs, yet large enough for a young and growing family.

1728 S Berry Road, Independence

Listing courtesy of John Bailey of Show-Me Real Estate.

$210,000

3 Beds ⋅ 2 Baths

Welcome to Woodland View, one of Independence's most desirable neighborhoods. Homes here don't come available often because people love living in this area. Tucked away at the top of the hill near two dead-end roads, this home offers a quiet location while still being just minutes from everything Independence has to offer. As you step inside, you're welcomed by an entryway that opens into the living and dining areas. Floor-to-ceiling windows fill the living room with natural light and overlook the backyard, deck, and fire pit. The updated kitchen offers great workspace and is conveniently located next to a separate laundry room with direct access to the attached garage. The oversized garage provides room for larger vehicles, additional storage, or cabinetry. Down the hallway, you'll find three bedrooms and two full bathrooms, including a primary suite with its own private bathroom. Outside, the home sits catty-corner on the lot with a privacy-fenced backyard, deck, fire pit, and flower garden, creating a great space to relax or entertain. This home has been exceptionally well maintained, and it shows. From the layout to the location, this is the kind of property buyers wait for in Woodland View. Schedule your showing when it becomes available—you won't want to miss this opportunity.

4001 Cr 4055 N/A, Independence

Listing courtesy of Kristina Fulk of L2 Realty, Inc..

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