Richmond Homes with USDA Loan Financing

Welcome to Richmond, Missouri – a charming city nestled in the heart of Ray County, where small-town charm meets modern convenience. Richmond is a vibrant community that boasts a rich history, friendly neighbors, and a welcoming atmosphere that makes it a delightful place to call home. With its picturesque streets lined with beautiful trees and well-maintained homes, Richmond offers a serene environment perfect for families, retirees, and everyone in between.

One of the best-kept secrets about Richmond is its eligibility for USDA loan financing, making it an ideal choice for first-time homebuyers and those looking to settle in a community that values growth and development. USDA loans provide an excellent opportunity to purchase a home with little to no down payment, opening the door for many to achieve their dream of homeownership. The homes in Richmond are not only affordable but also come with the charm and character that make them truly special.

Richmond is conveniently located near major highways, providing easy access to larger cities while maintaining its peaceful, rural atmosphere. The community is rich in amenities, including parks, schools, and local businesses that cater to residents' needs. Whether you're exploring the historic downtown area, enjoying outdoor activities at one of the many parks, or participating in local events, Richmond offers a fulfilling lifestyle for everyone.

If you're considering a move to Richmond, Missouri, you’ll find a warm community ready to welcome you home. With the added benefit of USDA loan financing, your dream home in this lovely city is more attainable than ever!

Newest Richmond Homes with USDA Loan Financing

$249,900

3 Beds ⋅ 1 Baths

Make this move in ready, beautifully renovated home yours! You will love having 3 bedrooms with spacious closets and bathroom featuring a double vanity, beautiful design, and fixtures. Kitchen offers quality Whirlpool stainless appliances and customs cabinets with soft close doors by local cabinet maker. Home features modern and inviting laminate flooring throughout that's both functional and low maintenance. Home has new furnace and spacious unfinished basement to increase your living space possibilities. If that isn't enough, step into the large, fully fenced backyard offering privacy for endless entertainment and possibilities.

309 Wellington Street, Richmond

Listing courtesy of Penny Millsap of Community Realty.

$169,900

2 Beds ⋅ 1 Baths

Motivated sellers!! This cozy bungalow located in the heart of Richmond, Missouri boasts hardwood floors, original woodwork, gas fireplace, and a full, unfinished basement. Charm and a corner lot? This beauty as both. The only thing missing is its forever family. Come see it today!

200 Tribble Street, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.

$209,900

4 Beds ⋅ 2 Baths

LOADS OF POTENTIAL! Brand-new roof, both HVAC systems replaced, and utilities are on! Updated photos coming soon! Raised ranch with 4 bedrooms, 2 full baths, and 2 living areas on the main level. Main bedroom features ensuite bath, his/hers closets, and access to its own private deck—great for relaxing and entertaining! Hardwood flooring and plenty of natural light! Full basement with plenty of room for storage. Easily convert back into 3-car attached garage! Spacious corner lot next to a dead-end street with view of green space. Add this one to the top of your list while it lasts!

1412 Ridgeway Drive, Richmond

Listing courtesy of Connor Reeves of Mother & Son Realty Group.

$249,900

3 Beds ⋅ 2 Baths

Tucked away at the end of a quiet dead-end street, this move-in ready gem is the one you've been waiting for! Offering 3 bedrooms, 2 bathrooms, and a large fenced backyard with no immediate neighbors directly behind the property, this home offers a peaceful setting and plenty of outdoor space. Inside, you'll love the fresh paint throughout, creating a bright, clean, and welcoming feel from the moment you walk in. The spacious layout is both functional and inviting, and with a brand-new HVAC system installed just one year ago, you can enjoy added peace of mind. All kitchen appliances stay, making your move even easier. From the fresh updates to the large backyard, this charming Richmond home truly has it all. All that's left to do is move in!

605 S Westview Drive, Richmond

Listing courtesy of Meranda Lefebvre of ReeceNichols-KCN.

$249,999

3 Beds ⋅ 2.5 Baths

Highly motivated seller. Bring us your offers. Super cute home on cul de sac. Easy access to highways. Beautiful yard and surroundings. Primary is on the main level but the upstairs could be a second master suite. New carpet on main level. 3 bedrooms with 2.5 baths and 2 car garage. 2 year old roof. Gorgeous corner lot on a cul-de-sac in the county. Beautiful mature trees, shed, awesome deck for sitting in the evenings. Window coverings.

510 Shawn Crest Lane, Richmond

Listing courtesy of Nita Pridgen of Platinum Realty LLC.

$230,000

3 Beds ⋅ 2 Baths

Well-maintained home tucked away at the end of a quiet cul-de-sac! Recent updates include beautifully refinished hardwood floors throughout the home, a new water heater installed within the past year, and fresh paint that gives the interior a bright, refreshed feel. The finished basement features a spacious bonus room that could easily serve as a primary bedroom, along with a completely renovated full bathroom. With generous living space on both the main level and downstairs, this home offers comfort, flexibility, and plenty of room to grow. Schedule your showing today!

1410 Ridgeway Drive, Richmond

Listing courtesy of Rylee Robinson of Community Realty.

$324,900

5 Beds ⋅ 2.5 Baths

SPACIOUS RAISED RANCH WITH POND VIEWS, FRUIT TREES, & MANY UPGRADES! WELCOME HOME TO THIS SPACIOUS UPDATED RAISED RANCH, FEATURING A CLASSIC BRICK FASCIA AND A NEWER, DURABLE METAL ROOF THAT OFFERS YEARS OF PEACE OF MIND. UNCOMMONLY FEATURING 5 BEDROOMS, WITH 2.5 BATHROOMS, THIS EXPANSIVE LAYOUT OFFERS INCREDIBLE FLEXIBILITY WITH THREE SEPARATE LIVING ROOMS—PERFECT FOR A HOME OFFICE, GAME ROOM, OR LARGE-FAMILY LIVING. THE EXPERTLY FINISHED BASEMENT PROVIDES TONS OF EXTRA LIVING SPACE. AS WELL, THE HOME'S STUNNING, ORIGINAL HANDMADE CABINETS THAT ADD A TOUCH OF TIMELESS CRAFTSMANSHIP. THE HEAVY LIFTING HAS ALREADY BEEN DONE FOR YOU WITH MAJOR MECHANICAL UPGRADES COMPLETED IN 2026. ENJOY ENDLESS SHOWERS WITH A BRAND-NEW TANKLESS HOT WATER HEATER ('26), AN UPDATED ELECTRICAL SYSTEM, AND A NEW SUMP PUMP ('26). THE HVAC SYSTEM IS IN PRISTINE CONDITION, FRESHLY SERVICED IN 2026 WITH A BRAND-NEW BLOWER MOTOR, SOLENOID, AND ACTUATOR TO ENSURE YEAR-ROUND EFFICIENCY. NEWER WINDOWS THROUGHOUT KEEP THE ENTIRE HOME BRIGHT AND ENERGY-EFFICIENT. STEP OUTSIDE TO YOUR OWN PRIVATE RETREAT. THE EXTERIOR FEATURES EXTENSIVE OUTDOOR LIGHTING THAT SHOWCASES A GORGEOUS STONE PATIO—THE ULTIMATE SPOT TO UNWIND AND TAKE IN VIEWS OF THE LOCAL NEIGHBORING POND. THE YARD IS PARTIALLY FENCED, MAKING IT READY FOR YOUR PUPS, AND COMES ALIVE WITH A FRESHLY PLANTED APPLE TREE ALONGSIDE PLUM, PEAR, OAK, AND PINE TREES. COMPLETE WITH A TWO-CAR GARAGE AND TONS OF EXTRA PARKING FOR GUESTS, A CAMPER, OR A BOAT, THIS MOVE-IN-READY HOME TRULY HAS IT ALL. THANKS FOR LOOKING!

205 E Dauxville Drive, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.

$394,900

4 Beds ⋅ 3 Baths

Private 5-acre retreat with a massive 40x60 shop and beautifully updated home! This fully renovated property offers the perfect blend of modern updates, space, and privacy — all just a short drive from town. Inside, you’ll find an open and inviting layout featuring fresh updates throughout, including new HVAC, water heater, flooring, paint, fixtures, and more. The spacious finished basement adds incredible flexibility for additional living space, entertaining, hobbies, or storage. Step outside and enjoy peaceful country views, mature trees, and plenty of room to spread out. The huge 40x60 outbuilding with concrete floors and power is ideal for a workshop, business, equipment storage, or all your toys. A brand-new deck creates the perfect spot to relax and enjoy the private setting. Properties offering this much space, this many updates, and a shop of this size at this price point are hard to find. Move-in ready and packed with value — don’t miss your chance to own this one-of-a-kind acreage property!

39232 Fitch Road, Richmond

Listing courtesy of Jake Osborn of Osborn Real Estate.

$999,000

5 Beds ⋅ 3 Baths

Experience the perfect blend of peaceful country living and thoughtful modern convenience in this extraordinary 37 acre property. Featuring a beautiful 5,250-sq ft home which offers 3,300 finished square feet with an additional 1,950-square-ft unfinished walkout basement ready for your custom vision. From the moment you arrive, you’ll be captivated by gorgeous views from every window, showcasing lush fields, mature woods, and abundant wildlife. The home’s charming open floor plan is ideal for comfortable living and entertaining. This spacious home features 5 bedrooms and 3 bathrooms, with a fourth bathroom already stubbed for the upstairs primary suite. Upstairs bedrooms offer CAT6 internet wiring, walk-in closets, and a dedicated HVAC system for personalized comfort. Built for efficiency and durability, the home includes a tankless propane water heater, UV HVAC sterilization system, 500-gallon propane tank that conveys with the property, and a durable ICF walkout basement with storm shelter. The extra-deep garage features radiant heat flooring and 240-volt, 50-amp outlets, perfect for workshop space or EV charging. Outdoors, this property is truly exceptional. A seasonal creek winds through the land, while mature woods are ideal for hunting on your own property. The lush fields offer excellent hay production potential, and a historic 100-year-old oak barn adds timeless charm and versatility. Homestead-ready amenities include large garden spaces, a chicken coop with large run, and a convenient 100-foot clothesline just outside the laundry room. The property is currently connected to rural water, but offers three water wells with switch capability, and a 2,000-gallon septic system which has been recently pumped and serviced. Enjoy exceptional privacy and rural serenity while being just 15 minutes from grocery stores, restaurants, and major amenities. This rare property offers space, self sufficiency, and unmatched natural beauty.

19180 B Highway, Richmond

Listing courtesy of Tammy McGee of MO-KAN Veteran Realty LLC.

$395,000

3 Beds ⋅ 2.5 Baths

Escape to peaceful country living with the convenience of town just minutes away! On 3 beautiful acres, this home offers space, privacy, and endless possibilities for outdoor living, garden, or hobbies. Brick front, vinyl siding, newer AC, newer metal roof give you peace of mind and low maintenance. Walls inside have fresh coat of paint ready for your decorating ideas. 3 spacious bedrooms, 2.5 baths, 2 large living rooms for ample living space with oversized 3 car garage! Kitchen has cabinets galore, eat in dining area with a view of the peaceful backyard, and the appliances stay! The unfinished basement gives you a blank canvas to bring your ideas and double your living square footage. Take in the beauty out back, with wide open space complete with mature trees for hours of enjoyment. Large 30x80 outbuilding is ideal for storage, equipment, recreation vehicles, and hobbies. Sellers offering $5,000 flooring allowance with full price offer!

40822 E 116th Street, Richmond

Listing courtesy of Penny Millsap of Community Realty.

$379,000

4 Beds ⋅ 2.5 Baths

Gorgeous antebellum home has been thoughtfully remodeled throughout from restoring the beautiful original woodwork & hardwood floors to replacing the tall light filtering widows. Breathtaking staircase leads to balcony sitting area with large windows looking at Richmonds grand court house. Home boasts large rooms. Formal dining room. Formal sitting room with wood burning fireplace. Claw foot tub as in large bathroom as well as walk in shower. Wrap around porch with carriage carport. Patio added in back to look over half an acre of deep back yard.

121 W Royle Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.

$230,000

This rolling 20 acres has a STOCKED POND to enjoy at your pleasure! The property faces West for lovely sunsets, but includes an East facing for those magical sunrises. This recent re-plat makes this property ideal for a homestead, farmland needs or your private getaway. The breathtaking views would only make a new home here more spectacular. With 3/4 of the property fenced, it would not take much to enclose the rest. Come on by and see your new home location today!

Lot 1 Bruns Rd Road, Richmond

Listing courtesy of Theresa Trego of EXP Realty LLC.

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