Kansas City Homes with USDA Loan Financing

Welcome to Kansas City, a vibrant metropolis located in the heart of the Midwest. Known for its friendly locals, delicious barbecue, and rich cultural heritage, Kansas City offers a high quality of life for residents of all ages.

When it comes to real estate in Kansas City, homebuyers have a variety of financing options available to them. One popular choice is USDA loan financing, which provides eligible buyers with the opportunity to purchase homes in designated rural areas with little to no money down. This can be a great option for first-time homebuyers or those looking to move to a more rural setting.

With USDA loan financing, buyers can enjoy competitive interest rates and flexible credit requirements, making homeownership more accessible for a wider range of individuals. Whether you're looking for a charming farmhouse in the countryside or a cozy bungalow in a small town, USDA loan financing can help make your real estate dreams a reality in Kansas City.

If you're interested in exploring homes with USDA loan financing in Kansas City, our experienced real estate agents are here to help. Contact us today to learn more about available properties and start your journey towards homeownership in this dynamic city.

Newest Kansas City Homes with USDA Loan Financing

$185,000

3 Beds ⋅ 2 Baths

Opportunity awaits in Kansas City, Kansas! This 3-bedroom, 2-bathroom home offers plenty of charm, character, and potential for buyers looking to make a space their own! Whether you're searching for your next home or an investment opportunity, this property is worth a look! Great potential for an investor, flipper, or hands-on owner looking to build equity in a well-located home. Inside, you'll find wood floors, a spacious living area, and a bright, window-filled bonus room just off the back deck. With one bathroom already remodeled, the remaining spaces offer an opportunity for renovation and personalization. This home is ready for someone with a vision to give it the attention and updates it deserves! Outside, enjoy a covered front porch, a spacious back deck, and plenty of room to enjoy the outdoors. The sale includes TWO parcels, totaling approximately 0.66 acres! Taxes listed reflect both parcels combined. Enjoy a convenient location close to downtown Kansas City, KU Medical Center, parks, and major highways. Located within the Kansas City, Kansas Public Schools (USD 500) district, the property is also near Argentine Middle School, J.C. Harmon High School, and Silver City Elementary School.

1820 S 22nd Street, Kansas City

Listing courtesy of Sydney Martens of EK Real Estate.

$199,900

3 Beds ⋅ 1 Baths

Welcome to your newly renovated home! NEW kitchen, including new granite countertops, cabinets, stainless steel appliances, gooseneck faucet, cabinet hardware, shelving, and tile backsplash and floors. NEW bathroom, including new vanity, tub, hardware, toilet and shower wall and floor tile. All NEW lighting throughout. Refinished hardwood floors in living room, hallway and bedrooms. GIANT mudroom with plenty of built-in storage. For even more storage, access to full unfinished basement is through mudroom. Interior and exterior paint is also new. Other special features: OVERSIZED, detached double garage for special projects/storage, plenty of extra room for parking on driveway, and a private, fenced backyard. Enjoy your newly renovated home!

8503 Crystal Avenue, Kansas City

Listing courtesy of David Flanders of Platinum Realty LLC.

$725,000

3 Beds ⋅ 3.5 Baths

Brookside Beauty Meets Modern Updates! Beautifully renovated throughout, this inviting home blends timeless character with today’s desired amenities. A welcoming entry showcases a striking wide staircase, leading to a spacious living room featuring a gas fireplace, custom built-ins, and plantation shutters. An adjoining sunroom or home office offers a versatile space to suit your needs. The well-appointed kitchen is designed for both everyday living and entertaining, with a gas range, quartz countertops, abundant cabinetry, a pantry, two sinks, a center island with additional seating, a new refrigerator, a new garbage disposal, and a reverse osmosis (RO) water filtration system. Just beyond, the dining room features built-in bench seating. A convenient mudroom provides extra storage, while a half bath and laundry area complete the main level. Sewer Line and Water Line replaced by previous owner. Upstairs, the expansive primary suite offers abundant natural light, a beautifully updated private bath, and an oversized walk-in closet. Two additional bedrooms feature fresh paint and new carpet, complemented by an updated full bath. Outdoor living is equally appealing, with a second-level martini deck and a welcoming brick patio perfect for gatherings with family and friends. Additional highlights include window treatments throughout and a new sump pump. Enjoy an exceptional Brookside location within walking distance of neighborhood shops, restaurants, grocery stores, and the Trolley Track Trail. With its thoughtful updates, inviting living spaces, and timeless appeal, this beautiful home is ready for the upcoming holiday season, offering the perfect setting for memorable family gatherings, cozy evenings by the fireplace, and years of cherished memories.

6421 Washington Street, Kansas City

Listing courtesy of Sharon G. Aubuchon of RE/MAX Premier Realty.

$210,000

3 Beds ⋅ 1 Baths

Welcome to 5149 N Palmer Ave, a well-maintained 3-bedroom, 1-bathroom single-family residence featuring approximately 1,536 square feet of living space. This light-filled layout includes standard kitchen, hardwood flooring, an expansive screened-in porch, an attached garage, and a spacious grassy backyard setting. Information deemed reliable but not guaranteed; buyer or buyer's agent to verify all measurements, square footage, fees, and property details.

5149 N Palmer Avenue, Kansas City

Listing courtesy of Michael Zouglas of REO Xpress LLC.

$395,000

5 Beds ⋅ 4.5 Baths

Freshly renovated and ready to welcome you home, this spacious 5-bedroom, 4.5-bath property offers plenty of room to gather, entertain, and unwind. Set back from the road for added privacy, the home features a circular driveway that creates a welcoming approach and provides convenient access for guests. Inside, generous space allows you to host family and friends while enjoying the comfort of everyday living. Outside, the backyard offers an oasis ready for your vision—from garden retreats and outdoor dining to spaces for relaxing or entertaining. An additional detached building with electrical service adds versatility, while a separate shed provides convenient storage. Located within the North Kansas City School District and served by Oak Park High School, this Northland home offers convenient access to shopping, dining, and everyday essentials in the surrounding Gladstone area. Nearby Penguin Park adds opportunities for outdoor recreation, bringing even more to enjoy beyond your own backyard. Discover a refreshed home with space to spread out, a convenient location, and outdoor possibilities to make your own.

3101 56th Terrace, Kansas City

Listing courtesy of Reis Wallace of United Real Estate Kansas City.

$260,000

4 Beds ⋅ 2 Baths

This beautifully fully remodeled 4-bedroom, 2-bathroom gem sits on a spacious 1/3-acre lot, offering the perfect blend of style, comfort, and outdoor freedom. Step inside to discover a bright, open interior featuring brand-new finishes, updated flooring, and modern kitchen and bath upgrades throughout. Enjoy peace of mind with a newer roof, updated electrical panel, and main sewer line. Complete with a 1-car attached garage and plenty of space for gardening, outdoor entertaining, or future additions. Conveniently situated with fast highway access, this home makes your daily commute a breeze while giving you a peaceful retreat to return home to. Don't miss out on this turnkey home!

7711 NE 53rd Terrace, Kansas City

Listing courtesy of Christopher Kelly of EXP Realty LLC.

$319,000

3 Beds ⋅ 1.5 Baths

Welcome Home! This Adorable Waldo home features a private driveway and two-car garage that establishes a welcoming first impression. This Waldo home features three bedrooms, one full bathroom, and one half bathroom, all arranged within a single-story layout. Inside, the kitchen offers counter space and floor space alongside appliances including a dishwasher, disposal, dryer, hood/fan, refrigerator, electric range/oven, and washer. An unfinished basement provides space for storage or finishing potential. The exterior features a backyard on a 0.26-acre lot, offering an outdoor setting for relaxation and activities.

7447 Grand Avenue, Kansas City

Listing courtesy of Natalie Freeman of NLF Real Estate.

Outer Road Amity & 152 Highway, Kansas City

$1,090,000

20± Acre Development Opportunity Hwy 152 & Amity Road | Kansas City This strategic corridor has become one of the metro’s most active zones for residential expansion, school district, retail demand, and long-term residential or commercial investment. Positioned along Highway 152 — a critical east-west connector linking Platte County to I-435 and Kansas City International Airport — the site offers exceptional regional The property benefits from immediate proximity to Direct connectivity to I-435, KCI Airport, Zona Rosa, and downtown Kansas City-With continued population growth and infrastructure investment pushing northward, this intersection is poised for sustained demand. Survey to be provided, BUYER/DEVELOPER to verify any and all information/diligence as it pertains to the land.

Outer Road Amity & 152 Highway, Kansas City

Listing courtesy of Andrea Wardell of Wardell & Holmes Real Estate.

$235,000

4 Beds ⋅ 1 Baths

Historic character, architectural detail, and an unexpectedly private setting come together in this distinctive 1897 home designed by renowned Kansas City architect Henry Van Brunt. From the moment you enter, the craftsmanship is evident in the grand staircase, rich hardwood floors, substantial baseboards and crown molding, original-style doors, fireplace mantle, and period lighting that give the home a character rarely found today. High ceilings and tall windows bring abundant natural light throughout the main level, where spacious living and dining areas flow easily together. A bay-windowed office offers a bright, inviting place to work or read. The kitchen is both beautiful and highly functional, featuring granite countertops, stainless steel appliances, a farmhouse sink, extensive cabinetry with glass-front uppers, generous storage, recessed lighting, and a striking pressed-tin ceiling that complements the home's historic personality. Upstairs, well-proportioned bedrooms continue the hardwood floors and tall-window design, while second-floor laundry adds everyday convenience. Outside, the large lot is a standout, offering generous separation from neighboring homes and a substantial fenced backyard surrounded by mature trees on three sides. Multiple outdoor spaces include the covered front porch, rear deck, patio, and fire pit area, while the wooded property beyond the backyard adds to the secluded feel. A walk-up basement with unusually tall ceilings provides excellent workshop and storage space. Recent improvements include a new roof in 2023, rebuilt basement entry in 2023, water heater and washing machine in 2024, and a new chimney top, cap, and utility liner in 2026. This is a rare opportunity to own a home with genuine architectural history, generous indoor and outdoor space, and enduring Kansas City character.

2406 Brooklyn Avenue, Kansas City

Listing courtesy of Dan O'Dell of Real Broker, LLC.

$259,999

3 Beds ⋅ 2.5 Baths

Welcome to this 3-bedroom, 2.5-bathroom home, offered AS-IS. Conveniently located near major highways, shopping, and retail areas, with downtown Kansas City within driving distance. Features include a fireplace, living areas, dining area, basement, laundry area, and 2-car garage. PHOTO DISCLOSURE: Some listing photos have been digitally enhanced using AI to show the home in a cleaner, more finished presentation. The layout and features shown are intended to remain consistent with the actual property. The home currently contains personal property/items, so the actual condition may differ from the enhanced images. Buyers should verify the property's condition and details during their own inspection. AS-IS SALE: Property is being sold in its present condition. Buyer to verify all information, measurements, condition, and intended use.

5836 E 99TH Street, Kansas City

Listing courtesy of Usman Qureshi of EXP Realty LLC.

$319,900

3 Beds ⋅ 2 Baths

BRAND-NEW, ENERGY-EFFICIENT CONSTRUCTION OFFERING TRUE ZERO-ENTRY, SINGLE-LEVEL LIVING IN KANSAS CITY, KS! HOME IS UNDER CONSTRUCTION BUT WILL BE FINISHED IN OCTOBER. This thoughtfully designed 3-bedroom, 2-bath ranch features approximately 1,620 finished square feet (main level) with no-step entry, an open-concept floor plan, main-level laundry, and an attached 2-car garage. Unfinished basement provides potential for 3000+ square feet of living space! A covered front porch provides a welcoming entrance, while the zero-entry design and functional layout make the home easy to navigate. Designed for comfortable and accessible everyday living, the home keeps everything on one level—including the bedrooms, bathrooms, kitchen, living areas, and washer/dryer area. The home was built with energy efficiency and modern all-electric living in mind. All mechanical systems are electric, including heating, cooling, and water heating. The kitchen features an induction range/oven, while motion-activated/touchless faucets add convenience and modern functionality. New energy-efficient construction and all-new mechanical systems provide the benefits and peace of mind that come with owning a newly built home. The open kitchen, dining, and living areas create a spacious central gathering space, while the private primary suite and two additional bedrooms provide flexibility for family, guests, or a home office. With zero-entry access, one-level living, main-floor laundry, modern electric systems, energy-efficient construction, and a 2-car garage, this home combines thoughtful design with the advantages of brand-new construction. Listing agent has an ownership interest in the Seller/Development Company.

3038 N 22nd Street, Kansas City

Listing courtesy of Joshua Barnett of Platinum Realty LLC.

$269,999

4 Beds ⋅ 3 Baths

Welcome to 6100 E 97th St., a spacious and inviting single-story home offering approximately 2,800 square feet of finished living space. From the moment you step inside, the vaulted ceiling creates an open, airy feel that continues throughout the main level. WORRY FREE HOME WITH NEW ROOF, NEW SEWER LINE, NEWER AC and many other upgrades make this a no brainer. Priced well below market value for a home of this size and condition. The home features four bedrooms and three full bathrooms, along with a bright and welcoming sunroom—perfect for relaxing, entertaining, or enjoying your morning coffee. The fully finished walk-out basement provides an impressive additional living area, including the fourth bedroom, a spacious family room, and a full bathroom. With abundant storage and direct access to the backyard, the lower level offers exceptional flexibility for guests, a home office, recreation, or additional living space. The kitchen is complemented by new appliances, while built-in display cabinetry adds character and provides an attractive way to showcase your favorite pieces. Thoughtfully designed spaces and generous room sizes make this home both comfortable for everyday living and ideal for entertaining. Outside, the 0.28-acre lot provides plenty of space to enjoy the backyard and create your own outdoor retreat. Conveniently located in Kansas City, this property combines generous living space, functional amenities, and a comfortable residential setting. A spacious home with room to live, relax, entertain, and make it your own—come see all that 6100 E 97th St. has to offer.

6100 E 97th Street, Kansas City

Listing courtesy of Scott Hinkle of Platinum Realty LLC.

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Kansas City Homes with USDA Loan Financing

Newest Kansas City Homes with USDA Loan Financing

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