Warsaw Homes with USDA Loan Financing

Warsaw Homes with USDA Loan Financing

Welcome to Warsaw, Missouri – a hidden gem nestled in the heart of Benton County! Known for its picturesque landscapes and friendly community, Warsaw offers a unique blend of small-town charm and modern conveniences. With its scenic views of the Lake of the Ozarks and a vibrant downtown area, this city is a perfect place for families, retirees, and anyone seeking a peaceful lifestyle.

Warsaw boasts a rich history and a plethora of recreational activities. Whether you're interested in fishing, boating, or hiking, the nearby lakes and parks provide endless opportunities for outdoor enthusiasts. The city hosts a variety of local events throughout the year, fostering a strong sense of community and connection among residents. With excellent schools, local shops, and a welcoming atmosphere, it’s no wonder families are drawn to this delightful area.

For those considering homeownership, Warsaw is an excellent choice, especially with the availability of USDA loan financing. This program is designed to assist low to moderate-income families in purchasing homes in rural areas, making it easier than ever to buy your dream home in this charming city. With no down payment required and competitive interest rates, USDA loans can help you turn your dream of living in Warsaw into a reality.

Explore the beautiful homes available in Warsaw, where you’ll find a variety of styles and sizes to suit your needs. With the support of USDA financing, you can embark on an exciting journey towards homeownership in this wonderful community. Discover the warmth and beauty of Warsaw, Missouri, and make it your forever home!

Newest Warsaw Homes with USDA Loan Financing

$335,900
3 Beds ⋅ 2.5 Baths
So many new updates in this beautiful 3 bdrm 2 1/2 bath home on an acre! Located in the wonderful lake community of Tebo Woods! Just around the corner from Thibaut Point Park on the shores of TRUMAN LAKE! Known for its world class fishing & boating. This charming lake home boasts of vaulted ceilings, spacious open floorplan with new luxury vinyl flooring in the main living areas. Beautiful walk-through kitchen with tons of cabinet space. Two nice size bedrooms on the main and a large main floor bath. Just off the kitchen, is a peaceful screened in porch to enjoy your morning coffee & watch the sun come up before heading out to the lake. Lower level walk-out includes large family room with dining area, large guest bedroom full bath & 1/2 bath with laundry. Just outside the lower level is a large patio, so guests can have their own private retreat. The two levels make it possible for two families to enjoy this home as a lake get away. The home features a large covered front porch and fully paved driveway for extra guest parking or to maneuver the boat into the expansive 28x32 upper garage. The large garage also features a lower level for mowers, tractors or lake toys. The Tebo Woods community has a private lake for fishing or kayaking. Come and enjoy this wonderful lake home! Just minutes from the award winning lake community of Warsaw, MO. Hurry! This one won't last!

26019 Sharon Lane, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
$250,000
2 Beds ⋅ 2 Baths
Country life is calling... are you answering? This charming property sits on approximately 1.75±-acres and also includes an additional 1.53±-acre lot, giving you 3.28±-acres to enjoy! Inside you'll find 3 bedrooms (one non-conforming), 2 bathrooms, brand-new carpet, and a roof that's only two years old. Outside is where the fun begins with a temperature-controlled she shed/man cave, a storage shed, and a game cleaning station that's ready for hunting season. Want an even easier move? The seller is willing to leave the furniture for an additional cost. Bring your boots, your side-byside, and your love for the outdoors—there's plenty of room here to spread out and enjoy the country lifestyle.

23719 Singing Bird Lane, Warsaw

Listing courtesy of Pamela Brandt of Grit Real Estate LLC.
$249,900
3 Beds ⋅ 2 Baths
Every now and then, a home comes along that simply feels like the right place to slow down and enjoy life. Tucked into the Paradise Point community, this inviting 3-bedroom, 2-bath home blends modern updates with the relaxed lifestyle that draws so many to the Truman Lake area. The open floor plan creates an easy gathering space, while the kitchen features butcher block countertops, stainless steel appliances, and thoughtful finishes that add warmth and character. The main-level primary bedroom offers daily convenience, while 2 additional bedrooms and a bathroom upstairs provide flexible space for guests, hobbies, and more. Outside, the detached garage offers ample space for vehicles, tools, and all the gear that comes with lake living. With community access to a boat ramp at the 84 MM of Lake of the Ozarks, a swim area, and Truman Lake just moments away, weekends can be as adventurous, or as peaceful, as you choose. This isn't just a home near the lake…it's a place to enjoy the lifestyle that comes with it.

23142 Salley Drive, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
$595,000
3 Beds ⋅ 3.5 Baths
Perfectly situated in the gorgeous Truman Lake town of Warsaw, MO. Voted one of the top lake towns in the state of Missouri! This exquisite 3 brm 3 1/2 bath home has been meticulously crafted by Jim McGovern Homes, consistently celebrated for exceptional craftmanship & timeless design. The seamless open floorplan ensures guests can mingle across areas without feeling left out. The main living area boasts of hardwood floors, stone gas fireplace & soaring ceilings. A highly optimized kitchen is complete with custom cabinets, beautiful quartz counters & pantry. Rare 3 suite layout. This home features 3 large master bedrooms with ensuite & walk-in closet. Two on the main floor & one in the lower level walk-out. Other features include main floor 1/2 bath, large mudroom & laundry room with beautiful custom cabinetry. Wonderful covered porch with maintenance free composite decking. Lower level showcases spacious family room with kitchenette, 3rd master suite, bath, three large storage rooms & a 16x16 unfinished room for 4th bedroom or golf cart garage. Lower level seamlessly flows out to an expansive patio with plenty of room for entertaining. This gorgeous lake home is ideal for multiple families with its ability for communal entertaining and private retreats. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. Its time, buy that Lake house! You won't regret it!!

1104 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
$399,900
3 Beds ⋅ 4 Baths
Experience one of the most breathtaking, year-round views of Truman Lake from this move-in ready home just outside Warsaw, MO. Situated on just over 2 acres, this rare property combines panoramic lake views, privacy, and just under 3,000 finished square feet… an exceptional combination that's hard to find. The open-concept living space was designed to capture the incredible scenery, with expansive windows that fill the living, dining, and kitchen areas with natural light and showcase the lake in every season. Two main-level bedrooms each feature private en-suite bathrooms. The finished walkout lower level offers a spacious second living area, an additional bedroom and a full bathroom, providing flexible space for guests, a home office, recreation, or hobbies. The wooded lakeside setting and mature trees create a peaceful, secluded atmosphere, while three garage spaces and abundant parking provide room for vehicles, boats, and lake toys. The home is all electric, fully turnkey, and ready for immediate enjoyment. A rented marina boat slip is available to transfer to the new owner if desired, and for those ready to embrace lake life from day one, the current boat lift and boat are also available for purchase separately at closing. Opportunities to own a property offering this level of privacy, acreage, move-in-ready condition, and truly breathtaking year-round Truman Lake views are few and far between.

11045 Foothills Lane, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
$649,900
5 Beds ⋅ 3.5 Baths
Experience the best of lake living in this beautifully maintained 5-bedroom, 3.5-bath lakefront home, perfectly positioned on the quiet, family-friendly end of Lake of the Ozarks and just 5 minutes from downtown Warsaw. Built in 2021, this spacious 3,156 sq ft property offers three separate living areas and abundant sleeping space—ideal for large families, guests, or vacation rental potential. Located on a peaceful dead-end road and tucked into a serene cove, the home features a private dock and subdivision boat ramp access. The gently sloped yard provides effortless, no-stair access straight into the lake—perfect for kids, guests, and easy lake days. Inside, you’ll find engineered hardwood flooring, granite countertops, soft-close cabinetry, a generous walk-in pantry, gas cooktop, and exceptional storage throughout. The main living area is warm and inviting with a custom gas fireplace and expansive windows showcasing natural light and lake views from two sides. The additional living spaces can easily be converted into more sleeping quarters, allowing the home to comfortably accommodate 20+ people. The exterior is equally impressive with low-maintenance metal siding and roofing, composite wrap-around decking, mature landscaping, large shade trees, and a spacious concrete patio—perfect for outdoor dining or evenings around the fire pit. Enjoy lake days from your private dock and take advantage of the attached 2-car garage plus a 30x40 detached shop offering ample room for boats, lake toys, and equipment. This home is served by Southwest Electric Cooperative and was built with energy efficiency in mind. The owners’ average electric bill over the past 12 months is just $150.50, an exceptional value for a home of this size. Additional Features: • Dual-fuel HVAC system • Mini-split unit upstairs • 2x6 exterior walls • Hot tub hookup • Large concrete parking pad • Private neighborhood boat ramp • Excellent closet and storage space throughout

31745 Sleigh Lane, Warsaw

Listing courtesy of Eddie Davis of Orenda Real Estate Services.
$232,000
2 Beds ⋅ 1 Baths
Welcome to your Lake of the Ozarks retreat! This fully updated 2 bedroom cabin comes with a MASSIVE shop/garage perfect for storing your toys! Spend the day on the water with the community boat ramp and dock, located in a quiet cove right off the main channel. Spend summer nights under the cover of your private back deck, overlooking the lush tree line, or sit under the stars on the patio next to the fire. Concerned about the crawl space? Don't be! It's tall enough to stand in and even has extra storage space! This lake home will leave you wanting nothing more (other than more time to spend in it)! Book your appointment today!

28865 Plum Street, Warsaw

Listing courtesy of Justin Dean of 1st Class Real Estate KC.
$165,000
1 Beds ⋅ 1 Baths
**Back on market! Seller working on repairs after previous buyer walked away!** Affordable Lake Life at it's finest! This charming 1 bed lake cabin is the perfect way to start enjoying your new life on Truman Lake! The home features newer carpeting and paint inside as well as a 1 year-old ac/heat pump that keeps the whole home comfortable year-round without breaking the bank! The two-car garage is perfect for storing your fishing boat, atv, or jet-ski and the THREE decks provide an amazing place to come home and fire up the grill in the evening while the kids or pets play in the yard shaded by beautiful mature trees! This small home offers BIG value, so call and schedule your showing TODAY! This home will accept all loan types.

28473 Austin Lane, Warsaw

Listing courtesy of Justin Dean of 1st Class Real Estate KC.
$435,000
2 Beds ⋅ 2 Baths
Welcome to your peaceful escape on approximately 15 beautiful acres — a property designed for comfort, relaxation, and the freedom to enjoy the outdoors. Whether you’re dreaming of a weekend retreat or a full-time residence, this charming home offers the perfect setting. Ideally located just minutes from Warsaw, MO and close to both Truman Lake and Lake of the Ozarks, you’ll have quick access to boating, fishing, and endless recreation. The property features a spacious shop that includes a large game room complete with a kitchenette and bathroom, making it an excellent space for entertaining, hobbies, or hosting guests. Nearby, you’ll find a dedicated boat garage plus additional storage ideal for a tractor, mowers, or equipment — everything you need for lake life and land management. With room to roam and a peaceful setting that invites you to slow down and unwind, this property truly captures the best of Midwest living.

29553 Paradise Drive, Warsaw

Listing courtesy of Julie Snodgrass of EXP Realty LLC.
$375,000
3 Beds ⋅ 2 Baths
This remarkable one-owner, custom-built earth-contact home combines comfort, privacy, and energy efficiency in an ideal location just outside Warsaw, MO. Sitting on three wooded acres only half a mile from a convenient boat ramp onto Truman Lake Reservoir, this property offers the perfect balance of recreation and relaxation. All on one level, the home features three bedrooms, two full baths, and a versatile layout designed for modern living. A bright sunroom welcomes you at the entry, while the main family room centers around a grand wood stove—perfect for cozy winter evenings. The split-bedroom design adds extra privacy, and there’s even a dedicated office space in addition to the bedrooms. The pantry is massive, making it a prepper’s dream. An additional living area off the garage expands your options for work or play. Outdoors, the landscaping is beautifully maintained, highlighted by a circle driveway and a firepit gathering area at the edge of the trees. The wooded acreage invites exploration, wildlife watching, and trail adventures right in your own backyard. A detached outbuilding provides extra workspace, complemented by a fenced garden area and greenhouse—ready for your next project. Practicality meets independence here with a private well, septic system, and abundant room for hobbies and homesteading. This property truly has it all—space, character, efficiency, and proximity to the lake. Come see why this property doesn’t leave much to be desired!

17537 Mockingbird Road, Warsaw

Listing courtesy of Kat Laxague of EXP Realty LLC.
$650,000
4 Beds ⋅ 3 Baths
?? Country calm meets everyday comfort ?? Welcome to 17795 Stoney Creek Ln, Warsaw, MO — your chance to enjoy peaceful living with room to breathe. Tucked away in a quiet setting, this property offers privacy, space, and that hard-to-find sense of escape, all just a short drive from town and Lake of the Ozarks. Whether you’re sipping coffee on the porch, hosting friends, or soaking in the quiet, this home delivers the slower pace so many are craving. Full-time living, weekend retreat, or investment opportunity — this one checks all the boxes.

17795 Stoney Creek Lane, Warsaw

Listing courtesy of Samantha Slayden of Homes by Darcy LLC.
$349,000
3 Beds ⋅ 2 Baths
Built in 2022 and situated on approximately 0.34 acres, this beautiful 3-bedroom, 2-bath home is located in the desirable Paradise Point subdivision. (3rd bedroom does not have a window) The seller truly spared no expense with upgrades throughout the home. The entry welcomes you into an open floor plan with soaring cathedral ceilings and large windows that flood the home with natural light. The living room is cozy and spacious with a wood-burning fireplace sitting perfectly between the living and dining rooms, creating a warm and inviting atmosphere. The dining room features tall, elegant windows and a French door that opens to a large deck and flows seamlessly into the spacious kitchen, making it ideal for entertaining. The kitchen offers an abundance of tall cabinetry, large island with additional seating and elegant granite countertops. Just off the kitchen is a large pantry/laundry room with granite countertops and additional storage. The spacious main-level primary bedroom features a full bath with granite countertops and a tiled walk-in shower. Upstairs, you’ll find a loft overlooking the main living area, two spacious bedrooms, and a large bathroom featuring granite countertops and a dedicated makeup vanity. One upstairs bedroom includes pull-down attic access for extra storage. The attached garage is approximately 740 square feet with tall ceilings, two garage doors, and a built-in tornado shelter located in the floor of the garage. Between the home and the detached garage is a circle drive for additional parking. The detached shop with concrete flooring offers an additional 190 square feet of workspace or storage. This home is part of the Paradise Point subdivision in Warsaw, MO, on the Upper Osage Arm of the Lake of the Ozarks. The community offers lake access, private docks, and close proximity to marinas and swim beaches—perfect for boating, fishing, and lake living.

23046 Salley Drive, Warsaw

Listing courtesy of Lori Waner of Elite Realty.
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