Kearney Homes with USDA Loan Financing

Kearney Homes with USDA Loan Financing

Welcome to Kearney, Missouri – a charming city nestled in the heart of Clay County, just a stone's throw from the vibrant pulse of Kansas City. Known for its rich history and community spirit, Kearney offers a delightful blend of small-town charm and modern conveniences. With its picturesque parks, top-rated schools, and a variety of local shops and restaurants, Kearney is an ideal place for families, young professionals, and retirees alike.

One of the standout features of Kearney is its accessibility to affordable housing options, particularly through USDA loan financing. This program is designed to help low-to-moderate-income families achieve their dream of homeownership in eligible rural areas. Kearney, with its welcoming neighborhoods and beautiful landscapes, is perfectly positioned to take advantage of this opportunity. With USDA loans, buyers can secure homes with no down payment and competitive interest rates, making it easier than ever to settle into this thriving community.

Imagine settling into a cozy home where the community is friendly, the schools are excellent, and the outdoor activities are plentiful. Whether you’re strolling through the historic downtown or enjoying a weekend at one of the nearby parks, Kearney is a place where you can truly feel at home.

Explore the possibilities of homeownership in Kearney with USDA financing, and discover how this vibrant city can be the perfect backdrop for your next chapter. Embrace the charm of Kearney, where your dream home awaits!

Newest Kearney Homes with USDA Loan Financing

2309 Larkspur Lane, Kearney
$599,999
3 Beds ⋅ 2 Baths
Welcome to the Arthur Plan by Herman Design+Build, a thoughtfully designed 3-bedroom, 2-bath ranch in Kearney, Missouri, where timeless Craftsman style meets quality construction and modern functionality. Located in an area served by top-rated schools, this home offers a comfortable layout and carefully considered details throughout. Natural light fills the living spaces, creating a bright, inviting atmosphere, while upgraded trim adds character and a polished finish. The spacious front porch and rear patio provide welcoming outdoor spaces to enjoy, and the oversized garage offers extra room along with utility sink hookups for added convenience. Built with quality and everyday livability in mind, this home features BIBS insulation for added comfort and energy efficiency, along with lever-style door handles and fixtures selected with accessibility and aging in place in mind. Every detail reflects the thoughtful planning and craftsmanship that set Herman Design+Build apart. Photos depict a previously built home and are for illustrative purposes only. Features, finishes, and specifications may vary from the current build. All information, included features, and specifications should be verified directly with the builder.

2309 Larkspur Lane, Kearney

Listing courtesy of Nelson Home Group of Keller Williams KC North.
1002 W 10th Avenue, Kearney
$382,000
3 Beds ⋅ 2.5 Baths
Well-maintained Kearney Missouri home is located in the newer Cedar Wood neighborhood and offers the perfect combination of newer construction, comfortable living space and convenient location. Built in 2017, this 3-bedroom, 2.5-bath home has been carefully maintained, with everything still less than 10 years old. The main level features an inviting open layout with vaulted ceilings, fireplace, kitchen and dining area, and convenient main-level laundry. The finished lower level provides additional living space perfect for a family room, recreation room, home office, playroom or workout area. You'll love the attached 3-car garage, providing plenty of room for vehicles, storage and hobbies. Step outside to enjoy the covered deck and backyard, with the added bonus of Fun Farm Pumpkin Patch directly behind the property, making fall weekends especially fun! Dogwood Elementary School is within walking distance, adding even more convenience for families. Located just minutes from I-35, this Kearney home provides an easy commute toward Kansas City and surrounding communities while still offering the small-town feel Kearney is known for. Conveniently located near Kearney schools, shopping, restaurants, parks and local amenities, this newer Kearney home is an excellent opportunity for buyers looking for a move-in-ready home with a 3-car garage, finished lower level, main-level laundry and easy highway access.

1002 W 10th Avenue, Kearney

Listing courtesy of Serena Bales of KW KANSAS CITY METRO.
1711 Sunset Drive, Kearney
$349,900
4 Beds ⋅ 3.5 Baths
JUST REDUCED! SELLER WILL LOOK AT OFFERS!! Enjoy 4 LEVELS OF LIVING SPACE!! Welcome home to this bright and airy 4-bedroom, 3.5-bathroom home in Kearney's Desirable Regency Park subdivision! Ideally located just minutes from I-35, Kearney schools, shopping, and everyday conveniences, this home offers both comfort and convenience. Fresh interior and exterior paint in 2025 plus NEW siding in 2025, some newer flooring throughout, double light/fan switches in each room, beautifully remodeled hall bathroom, and several new light fixtures give the home a refreshed, move-in-ready feel. The main level features tall ceilings and an open, welcoming atmosphere including a formal living room (or it could be made into a dining room), and a kitchen/breakfast room while the lower-level family room offers a cozy fireplace and additional space to relax or entertain and walks out to a grilling patio. The kitchen includes a newer refrigerator, gas range, and sink and faucet plus a breakfast bar. Huge master bedroom suite offers a private bathroom with a jetted tub. There is a 4th bedroom in the sub-basement and includes a bathroom. Outside, enjoy a fenced 0.20-acre lot with a spacious back patio and freshly stained deck—perfect for morning coffee, summer gatherings, or enjoy the outdoor space. A 2-car garage adds convenient parking and storage. With thoughtful updates, desirable amenities, and a location close to everything Kearney has to offer, this one is ready to welcome you home! NO HOA!! Bring your own personal touches and make it yours!

1711 Sunset Drive, Kearney

Listing courtesy of Sterling Spicer of ReeceNichols North Star.
1010 E 16th Street, Kearney
$338,900
3 Beds ⋅ 2 Baths
SELLER OFFERING A CREDIT TOWARDS BUYER'S CLOSING COSTS! Welcome home to this well-maintained 3-bed, 2 bath home conveniently located near I-35 and all the shopping, dining, and amenities Kearney has to offer. Designed for both everyday living and entertaining, this home features an inviting, open layout where the kitchen, dining and living spaces flow together- perfect for hosting holidays, family dinners, game nights or simply spending time together. The eat-in kitchen features newer stainless steel appliances and opens into the spacious living area with a cozy fireplace. The primary suite offers a generously sized private bath, while two additional bedrooms provide plenty of space for family, guests or a home office. Downstairs, the finished basement adds even more room for a family room, game room, home theater or man cave, along with separate storage space. And then there's the backyard! Step outside onto the expansive composite deck and discover a space made for summer entertaining. The professionally installed 24-foot above-ground pool is adjoined by composite decking, creating plenty of room for lounging, dining, grilling and gathering with friends and family. The fenced backyard provides additional outdoor space, making this a backyard you'll want to enjoy all summer long. From cozy nights by the fireplace to summer days around the pool, this home offers plenty of space to live, gather and entertain both inside and out.

1010 E 16th Street, Kearney

Listing courtesy of HCR Team of ReeceNichols - Lees Summit.
2209 Greenfield Court, Kearney
$515,000
5 Beds ⋅ 3 Baths
Beautifully appointed and only a few years old, this exceptional reverse 1.5-story home is located in the highly desirable Meadows at Greenfield, an attractive Kearney neighborhood known for its quality homes and setting. Offering approximately 2,700 square feet of finished living space, this 5-bedroom, 3-bath home combines modern design, quality finishes, and an incredibly functional floor plan. The main level welcomes you with an inviting open-concept design featuring a spacious great room with fireplace, soaring ceilings, abundant natural light, and a large functional kitchen with custom cabinetry, pantry, and generous workspace. The dining area provides a seamless connection between the kitchen and living spaces, creating an ideal setting for both everyday living and entertaining. The main-floor primary suite offers a private retreat with a generous bedroom and well-designed bath, while additional main-level bedrooms provide flexibility for family, guests, or office space. The finished walk-out lower level expands the living space with a large family room and additional bedrooms, offering plenty of room for entertaining, guests, recreation, or a second living area. The reverse 1.5-story design provides excellent separation between living spaces while maintaining an open, connected feel throughout the home. Enjoy outdoor living from the covered deck and patio overlooking the private cul-de-sac setting. The oversized 3-car garage provides excellent parking and storage, while the newer construction means you can enjoy modern systems, finishes, and design without the wait or uncertainty of building new. Located in the Kearney School District and close to local amenities, this meticulously designed home offers the combination of newer construction, upscale neighborhood appeal, spacious living, and thoughtful finishes that today's buyers are looking for. A truly special opportunity in The Meadows at Greenfield!

2209 Greenfield Court, Kearney

Listing courtesy of Lauren Miller of Real Broker, LLC-MO.
1714 Brooke Court, Kearney
$378,000
4 Beds ⋅ 3 Baths
Welcome home to this spacious 4-bedroom, 3-bath home in Kearney with plenty of room inside and out! The home features four large bedrooms, a 3-car deep garage, and a large fenced backyard perfect for entertaining, pets, or simply enjoying the extra space. Step outside to the covered deck, added just 3 years ago, overlooking the backyard and a 12x14 Tuff Shed for additional storage. Inside, you’ll appreciate the many updates and conveniences, including a 4-year-old AC, tankless water heater, water softener, and Thermal King windows downstairs. The kitchen comes equipped with newer appliances, including a refrigerator, microwave, and range approximately 2 years old, plus a dishwasher just 1 year old. With generous bedroom sizes, tons of garage space, a great backyard, and several big-ticket updates already completed, this Kearney home is ready for its next owner. Come and take a look! We think you will love it!

1714 Brooke Court, Kearney

Listing courtesy of Brad Whitford of HomeSmart Legacy.
1600 Cottonwood Creek Avenue Unit #9, Kearney
$429,950
3 Beds ⋅ 2 Baths
Quaint cottage in quiet neighborhood, end lot. Easy one level living with unfinished basement. Say goodbye to lawn maintenance and snow removal. Roomy ranch with tons of living space and storage. Conveniently located to all of Kearney's amenities, the interstate, Dogwood elementary and the airport. Listing agent is related to seller. Information is deemed reliable but is not guaranteed and should be verified by buyer and buyer's agent.

1600 Cottonwood Creek Avenue Unit #9, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.
1729 Cambridge Circle, Kearney
$515,000
4 Beds ⋅ 4.5 Baths
Beautiful 2-story home in Jamestowne Village offering 4 bedrooms, 4.5 bathrooms, and over 3,100 finished square feet! The open floor plan features spacious living areas, a gas fireplace, and a functional kitchen perfect for everyday living. The newly finished basement includes a wet bar and a versatile bonus/flex room ideal for a home office, gym, playroom, or non-conforming guest space. Enjoy a fenced backyard with an in-ground sprinkler system, a 3-car garage, and an excellent location in the award-winning Kearney School District. This move-in ready home has the space, layout, and updates you've been looking for!

1729 Cambridge Circle, Kearney

Listing courtesy of Lauren Miller of Real Broker, LLC-MO.
16413 Nation Road, Kearney
$975,000
3 Beds ⋅ 3.5 Baths
Welcome to your private retreat at 16413 Nation Rd! Nestled on a sprawling 19.77-acre lot, this custom-built home offers the perfect blend of peaceful country living and thoughtful design. Located within the highly sought-after Kearney School District, this property provides ample space for outdoor activities, hobbies, or simply enjoying the serenity of nature. Estate is tucked away from streets and sits on top of the hill for privacy. House is equipped with Geothermal that makes house extremely efficient and utilities affordable. Inside, the home was meticulously designed with true accessibility in mind. It features extra-wide hallways and a fully handicap-accessible layout throughout the entire house, ensuring comfortable, barrier-free living for everyone. Whether you are looking for a forever home that accommodates all mobility needs or you simply crave a spacious, effortlessly flowing floor plan, this property delivers. Don't miss the chance to own a uniquely designed, turnkey home with incredible acreage just minutes from town. Schedule your private showing today!

16413 Nation Road, Kearney

Listing courtesy of Mike Gunselman of Keller Williams KC North.
1006 Meadowbrook Drive, Kearney
$689,900
4 Beds ⋅ 3.5 Baths
Check out this stunning "Estelle" 2-story plan designed by Herman Design+Build, located on a half acre lot in the highly sought-after Kearney School District! Designed with both everyday living and entertaining in mind, the main level is an entertainer’s dream featuring an open-concept kitchen, dining, and living space. The kitchen showcases custom cabinetry, granite countertops, a large center island, and plenty of workspace for gathering with family and friends. A dedicated office on the main level provides the perfect space for working from home or managing daily tasks. Upstairs, all four bedrooms are thoughtfully located together, providing privacy and convenience. The spacious primary suite offers a large walk-in closet and a spa-like bath complete with double vanities, a separate shower, and a relaxing soaking tub. Built as a high-performance home, this thoughtfully designed residence features premium construction upgrades including 2x6 exterior walls, BIBS insulation, Andersen 100 Series windows, engineered web floor trusses, dual HVAC systems, and two water heaters for enhanced comfort, efficiency, and long-term durability. An oversized 3-car garage provides plenty of room for vehicles, storage, and hobbies. The unfinished basement offers the perfect blank canvas to finish and customize to fit your needs—whether you envision additional living space, a home gym, theater room, or extra bedrooms. **Builder-paid incentives available, including rate buydown or basement finishing credit options. Contact listing agent for details.

1006 Meadowbrook Drive, Kearney

Listing courtesy of Nelson Home Group of Keller Williams KC North.
1600 Cottonwood Creek Avenue Unit #4, Kearney
$379,950
3 Beds ⋅ 2 Baths
Adorable spacious ranch plan provides 3 bedrooms and 2 bathrooms with covered patio. Conveniently located near all of Kearney's amenities with easy interstate access. Listing agent is related to seller. Information deemed reliable but is not guaranteed and should be verified by buyer and buyer's agent. Matterport video is for floor plan reference only and may not be of actual listing.

1600 Cottonwood Creek Avenue Unit #4, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.
1600 Cottonwood Creek Avenue Unit #2, Kearney
$379,950
3 Beds ⋅ 2 Baths
Spacious one level living with a modern feel. Lose the hassle of lawn and snow care! Welcoming friendly feel to this 9 home community. Easy access to interstate and the conveniences of Kearney. Listing agent is related to seller. Information is deemed reliable but should be verified by buyer and buyer's agent. Matterport tour is for floor plan layout only and may not be of the exact unit listed.

1600 Cottonwood Creek Avenue Unit #2, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.
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

How much is your home worth?

Get instant property value now!