Independence Homes with USDA Loan Financing

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

$109,000
3 Beds ⋅ 1 Baths
If you've been hoping to find a home with character and plenty of space to make your own, 416 S 6th Street is one you'll want to see. Situated on a large corner lot just blocks from downtown Independence, this charming home is full of warmth, personality, and timeless appeal. The inviting covered front porch is the perfect place to enjoy your morning coffee or relax at the end of the day. Inside, you'll find beautiful wood trim, built-in details, a classic brick fireplace, and large dining room windows that fill the space with natural light, creating a warm and welcoming place to gather with family and friends. The kitchen offers warm wood cabinetry and a cozy eat-in dining area. Just off the kitchen is an oversized laundry room that offers endless possibilities. Whether you need a fourth bedroom, family room, home office, or hobby space, you'll have the flexibility to make it fit your lifestyle. Upstairs, the spacious finished bed room gives you even more options. It could serve as a private primary suite, a second living area, a game room, or simply extra space to spread out. Outside, the fenced backyard provides plenty of room to enjoy the outdoors, while mature shade trees add to the home's curb appeal. The long driveway leads to a detached one-car garage with additional workspace, making it a great spot for hobbies, projects, or extra storage. Located just minutes from the shops, restaurants, and historic charm of downtown Independence, this home offers the perfect mix of character, flexible living space, and convenience. If you've been looking for a home with charm and room to make it your own, 416 S 6th Street is ready to welcome you.

416 S 6th Street, Independence

Listing courtesy of Jessica Renfrow of EXP Realty LLC.
$89,000
2 Beds ⋅ 1 Baths
What a great home that just came on the market but I bet not for long! You walk in to the family room and feel instantly at home and then the open kitchen and dining area also has a bonus space for additional kitchen space or office. The main bedroom is exceptionally big and is next to the other bedroom and full bath. The home has updated windows, central heat and air,vinyl siding, ceiling fans, updated flooring throughout and the big bonus to the home is a large 2 car detached garage! The home has a privacy fenced yard. Don't wait, this home is well maintained and updated along with a very nice 2 car garage ready for you at a great price!

812 W Locust Street, Independence

Listing courtesy of Amber Gregory of Keller Williams Realty Select.
$141,000
2 Beds ⋅ 1 Baths
Charming 2 bedroom, 1 bath bungalow offering spacious room sizes, comfortable living spaces, and plenty of updates. The inviting covered front porch welcomes you into a home featuring durable hard-surface flooring throughout the generously sized rooms. The large kitchen provides ample workspace and storage, with newer lower cabinets and a butcher block countertop. A large first-floor laundry room adds everyday convenience. Thermal-pane tilt-in windows and low-maintenance vinyl siding provide added efficiency and easy upkeep. Outside, enjoy a private, fenced backyard with a garden shed for additional storage. The one-car detached garage features a new metal roof. A great opportunity for a first-time buyer, downsizer, or investor looking for a well-maintained home with character and practical amenities.

106 S Park Avenue, Independence

Listing courtesy of Brett Wren of RE/MAX Heritage.
$245,000
4 Beds ⋅ 3 Baths
This single-family residential property at 807 N Ponca Drive offers 1,814 square feet of finished living space, featuring four bedrooms and three full bathrooms. Situated in Independence, Missouri, the functional floor plan incorporates multiple full baths for added layout efficiency. This property delivers low-maintenance living with generous indoor square footage.

807 N Ponca Drive, Independence

Listing courtesy of Michael Zouglas of REO Xpress LLC.
$299,999
3 Beds ⋅ 2.5 Baths
Space to live the way you want. This renovated 3-bedroom, 2½-bath home offers 1,900 square feet on .42 acres with no HOA, plenty of off-street parking, a detached two-car garage, and room for your RV, boat, or both. Located with easy access to I-70, the property offers an unusual amount of space and flexibility for an in-town home. Inside, the home is filled with natural light. The main floor features engineered hardwood flooring, a fireplace with built-ins, and large windows overlooking the property. The kitchen offers generous cabinetry and appliances, including a gas range, dishwasher, beverage refrigerator, two full-height column refrigerator/freezer units that can be configured as refrigerators, freezers, or one of each. The home offers two separate living spaces, with a living room on the main floor and a second living/media room in the basement. The basement also includes a bedroom, bathroom, mud room, laundry room, and storage closet. The primary suite includes a large dressing and closet area with built-in storage. A laundry chute in the primary closet drops directly into a cabinet in the basement laundry room. The laundry room includes a brand-new washer and dryer, utility sink, cabinetry, counter space, and additional storage. A new 14’ × 20’ deck overlooks the peaceful, tree-filled backyard and is a great spot to enjoy beautiful evening skies and sunsets through the trees. The property has space for an RV with sewer access. There’s also a powered garden shed, raised garden beds, rain barrel, and a shaded fenced area for a dog. An additional area under the house can be used as a root cellar, tool area, or storage. Up to six hens are permitted on the property. The established perennial front garden provides seasonal color and a beautiful view from the home’s large picture window.

3714 S Crysler Avenue, Independence

Listing courtesy of Jonathan Minerick of homecoin.com.
$225,000
3 Beds ⋅ 1.5 Baths
Welcome home to this wonderfully maintained and move-in-ready split-entry home! Offering 3 bedrooms, 1.5 bathrooms, and two separate family rooms, there is plenty of space for everyday living, relaxing, and entertaining. The main-level family room provides a warm and inviting gathering space, while the finished walkout basement offers a second family room with convenient access to the backyard. The interior of the home has been freshly painted, including the trim, and features new kitchen flooring and updated landscaping. The exterior features durable vinyl siding for easy, low-maintenance living. Step outside to enjoy the spacious deck, perfect for grilling, entertaining, or relaxing. The unique rear-entry garage is another great feature—the driveway extends around to the back of the home, creating a more private garage setting while also providing additional patio and entertaining space. Located close to shopping, dining, schools, parks, and everything else you need, this home offers an incredible combination of location, condition, space, and affordability. Move right in and enjoy—this one is a fantastic value!

1833 N York Street, Independence

Listing courtesy of Stephen Montisano of Real Broker, LLC-MO.
$399,000
Use the address of: 16800 E 41st Terrace S to get to the base entry 5.17± Acres with Development Potential in Independence, Missouri Discover approximately 5.17 acres of undeveloped land in a growing Independence location near I-70 and Missouri Route 291. Positioned between established residential neighborhoods near East 41st Terrace, this partially wooded and open parcel presents an appealing opportunity for builders, developers, or investors. Previously marketed as having potential for approximately 15–25 residential lots, depending on lot size, engineering, zoning approval, infrastructure, and other governmental requirements. The property features sloping topography, pasture, brush, and asphalt-road proximity. Available utilities have previously been reported in the area, including electricity, natural gas, cable, and telephone service; buyers should independently confirm connection points, capacity, costs, water, and sewer availability. Property highlights: • Approximately 5.17 acres / 225,195 square feet • Independence, Missouri 64055 • Near I-70 and Missouri Route 291 • Located between existing residential subdivisions • Open pasture with brush and partially wooded areas • Sloping topography • No HOA previously reported • Parcel number: 34-330-12-17-00-0-00-000 • Coordinates: approximately 39.04326 latitude • No street address currently assigned Bring your vision and explore the possibilities offered by this conveniently located acreage. Contact the listing agent for pricing, supporting property information, showing instructions, and due-diligence materials. Buyer and buyer’s agent should independently verify acreage, boundaries, legal access, zoning and permitted uses, development density, utilities, floodplain status, schools, taxes, and all other information. Any conceptual lot count is an estimate only and is not guaranteed.

No St Address/E 41st Terrace, Independence

Listing courtesy of Andrea Wardell of Wardell & Holmes Real Estate.
$155,000
3 Beds ⋅ 2 Baths
Great location near schools and country club golf course. Three bedrooms, 1 3/4 bath ranch that is been very well maintained and owned for the last 47 years. Big family room addition with fireplace, nice shaded corner lot with big patio and storage building. Home has oak wood trim and cabinets throughout.

2400 Linda Jean Drive, Independence

Listing courtesy of Cynthia White of Bill White Realty.
$30,000
The vacant lot is what is for sale

10003 E 36th Street, Independence

Listing courtesy of Megan Whitaker of 1st Class Real Estate KC.
$140,000
3 Beds ⋅ 2 Baths
Welcome home! This inviting 3 bedroom, 1¾ bath property sits on a spacious corner lot in a peaceful, well established neighborhood and is the perfect setting for your next chapter. Step onto the homey front porch, shaded by mature trees and shrubs, and feel instantly at ease. Inside, a bright, open living area is anchored by a cozy fireplace, creating a warm and welcoming space to relax or entertain. Out back, enjoy true privacy in the fully fenced yard, complete with a large covered deck. This space is ideal for morning coffee or evening get togethers. A storage shed adds extra convenience for tools, toys, or hobby gear. This home is move in ready and just waiting for your personal touch to make it truly shine. Don't miss the opportunity to add your own style to this solid, charming property in a fantastic spot!

624 N 15th Street, Independence

Listing courtesy of Jessica Blackmore of L2 Realty, Inc..
$75,000
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.
$187,000
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, 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! AND, You Can Personalize Your New Home with the Available Paint Allowance ! 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.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use