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

$449,900

4 Beds ⋅ 3 Baths

Welcome to this stunning, MOVE-IN READY (aka no waiting for construction to end!) home in the highly sought-after Noah’s Landing subdivision! Built just two years ago, this beautifully maintained “Brooke” floor plan by Robertson Construction offers 4 bedrooms, 3 full bathrooms, and an open-concept layout designed for both everyday living and entertaining. The spacious kitchen features granite countertops, stainless steel appliances, a pantry, real hardwood floors, and a sunny breakfast area that flows seamlessly into the living room with a gas fireplace. A formal dining room provides the perfect space for hosting family and friends, while the conveniently located laundry room sits just off the kitchen. The private primary suite offers a spacious walk-in closet and en-suite bath. The finished lower level expands your living space with a generous rec room, fourth bedroom, and third full bathroom—ideal for guests or home office! Step outside to enjoy the partially fenced backyard and spacious covered back deck balcony with newly added stairs for easy access to the yard below! Located in the award-winning Kearney School District and just minutes from shopping, dining, parks, and outdoor recreation, this beautiful home offers modern comfort in an unbeatable location. Don’t miss your opportunity to make this beautiful home yours! Schedule your private showing today!

610 E 11th Street, Kearney

Listing courtesy of Kelsey Drochelman of White Magnolia Real Estate.

$1,050,000

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.

$709,999

4 Beds ⋅ 3 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. *Photos are of a previously completed home and are provided for illustrative purposes only. Actual finishes, features, colors, materials, and selections may vary. The home currently under construction may not include all features, upgrades, or design elements shown in the photos. Buyers and buyer's agent to verify all specifications, finishes, and included features with the builder.

1006 Meadowbrook Drive, Kearney

Listing courtesy of Nelson Home Group of Keller Williams KC North.

$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.

1600 Cottonwood Creek Avenue Unit #4, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.

$429,950

3 Beds ⋅ 2 Baths

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 #8, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.

$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.

1600 Cottonwood Creek Avenue Unit #2, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.

$429,950

3 Beds ⋅ 2 Baths

Spacious one level home with full unfinished basement. Easy living in this cozy neighborhood with lawn care and maintenance provided HOA. Easy access to the interstate and all the conveniences of Kearney. Easy drive to KCI. Listing agent is related to Seller. Buyer and Buyer's agent should confirm all information as info provided in listing is deemed reliable but is not guaranteed.

1600 Cottonwood Creek Avenue Unit #7, Kearney

Listing courtesy of Katee Porter of RE/MAX Advantage.

$1,875,000

5 Beds ⋅ 5.5 Baths

Set on nearly five acres just outside of town, this Kearney estate checks every box and then adds a few you didn’t know you needed. Inside, the main living space opens into a layout that feels open and intentional. The living room, dining area, and kitchen flow together seamlessly, anchored by hardwood floors and natural light. A fireplace with custom built-ins adds a focal point.The kitchen is built for real life and gatherings. Granite countertops, custom cabinetry, double wall ovens, and an oversized island make prep and hosting easy. A walk-in pantry keeps everything tucked away. The main level offers flexibility with a front room that can serve as a bedroom, formal dining space, or office. Two additional bedrooms share a well-designed bath with separate vanity areas. The primary suite is set apart, featuring a large walk-in closet and spa-like bath with soaking tub, tiled shower with dual heads, and double vanity. Laundry and a half bath complete the level. Downstairs, the finished lower level is built for hosting. A full wet bar with a large island opens into a second living area with its own fireplace. A private bedroom and bath make it ideal for guests or multi-generational living, along with a half bath and flexible space for a gym, office, or sixth non-conforming bedroom. Storage is extensive, with a suspended slab design offering approximately 55x31 of storage space, plus an additional 21x11 area that also functions as a secure storm shelter. The six-car attached garage provides plenty of space, and the detached 50x60 shop adds even more with its own office, bathroom, car wash, and paint bay, plus an unfinished upper level. Built with intention, the home features structural beams for wide open spaces, twelve-foot ceilings on both levels, geothermal heating, and energy-efficient windows. Mineral rights convey with the property, including oil and water discovered during the geothermal process and registered with the Missouri Department of Natural Resources.

16108 Plattsburg Road, Kearney

Listing courtesy of Nelson Home Group of Keller Williams KC North.

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