Independence Homes with FHA Financing

Independence Homes with FHA Financing

Welcome to Independence, where the school district is a top priority for families looking to settle down in this charming city. The Independence school district is renowned for its commitment to academic excellence, innovative teaching methods, and a supportive community that values education. With top-rated schools and a wide range of extracurricular activities, students in Independence receive a well-rounded education that prepares them for success in the future.

If you're considering purchasing a home in Independence, you'll be pleased to know that there are plenty of options available with FHA financing. Whether you're a first-time homebuyer or looking to upgrade to a larger space, FHA loans offer flexible credit requirements and low down payment options, making homeownership more accessible to a wider range of buyers. With the help of FHA financing, owning a home in Independence is within reach for many aspiring homeowners.

Independence is not just a city; it's a community where families come together to enjoy a high quality of life, excellent schools, and beautiful homes. With the convenience of FHA financing, finding your dream home in Independence has never been easier. Explore the diverse real estate options available in this vibrant city and make Independence your new home today.

Newest Independence Homes with FHA Financing

$209,000
3 Beds ⋅ 2.5 Baths
Beautifully updated mid-century modern home featuring a new roof, new hot water heater, quartz countertops, updated cabinets, new appliances, refinished hardwood floors, and new carpet throughout. Enjoy the stylish dry bar, perfect for entertaining, along with modern updates that blend seamlessly with the home's timeless character. Seller is also adding a 5-year HomeServe HVAC warranty credit along with a home warranty for added peace of mind. Listing agent part owner and related to seller (married)

11120 E 35th Terrace, Independence

Listing courtesy of Stephanie Sparks of Platinum Realty LLC.
$149,000
3 Beds ⋅ 1.5 Baths
2-Story home in a nice, secluded neighborhood; Featuring a spacious living room, dining room, newer cabinets in kitchen, 3 bedroom and 1 bath upstairs, 1/2 bath in the dry basement, 1-car garage; Roof is about 10 years, HVAC and windows are newer; main sewer stack was replaced recently as well. Excellent opportunity for an investor or Buyer looking to add value through sweat equity. Just a little cosmetics to make this good home great!

9805 E Jewell Court, Independence

Listing courtesy of Joe Ientile of KW Diamond Partners.
$210,000
3 Beds ⋅ 1 Baths
Welcome to 1217 S Osage Street! This charming Independence home offers a bright, inviting interior and a comfortable one-level layout. Step inside to a spacious living room featuring beautiful hardwood floors, a vaulted ceiling, recessed lighting and a stylish fireplace with an updated tile surround. Neutral finishes and abundant natural light create a fresh, welcoming feel throughout the main living space. The adjoining dining area features a statement chandelier and flows easily into the kitchen, making the layout ideal for both everyday living and entertaining. The kitchen offers white cabinetry, an electric range, microwave and convenient access to the backyard. Outside, the home features a covered carport, a fenced yard and plenty of space to relax, garden or entertain. A recently installed asphalt roof—approximately three months old—adds valuable peace of mind. Conveniently located near shopping, dining, schools and everyday amenities, this move-in-ready home blends character, comfort and practical updates. Come see everything it has to offer!

1217 S Osage Street, Independence

Listing courtesy of Dan Long Real Estate Team of Keller Williams Platinum Prtnr.
$325,000
4 Beds ⋅ 2.5 Baths
Lovingly maintained by its original owner for the past 63 years, this spacious 4 bedroom 2.5 bath home is ready for its next chapter. Offering endless potential and room for everyone, you'll find two generous family rooms, two cozy wood-burning fireplaces, and a thoughtful addition that created an oversized primary suite and a second family room in the walk-up lower level. Beautiful hardwoods lie beneath the carpet throughout the main level and upper-level bedrooms. Major mechanical updates provide peace of mind with the heating system and hot water heater two years or less. Outside, enjoy a large, fenced yard with room for gardening. A storage shed for gardening tools and an adorable playhouse for many fun adventures are bonuses. Don't miss this rare opportunity to make it your dream home in a property that has been cherished for multi-generations and more to come.

17205 E 28th Terrace S, Independence

Listing courtesy of Linda Mueller of ReeceNichols - Lees Summit.
$215,000
3 Beds ⋅ 1 Baths

714 E Gudgell Avenue, Independence

Listing courtesy of Chet Meierarend of RE/MAX Premier Properties.
$115,000
2 Beds ⋅ 2 Baths
This single-level condo sits right across from the historic Stone Church, just moments from the Temple Lot and the Square. Second-level entry with both stairs and a wheelchair ramp. Inside, enjoy a living room with a mirrored accent wall, vinyl plank flooring through the main areas, and a bright galley kitchen with a skylight. The primary suite includes a large walk-in closet and private bath, and the second bedroom is nicely sized with a ceiling fan and tree views. A second full bath features a charming stained-glass window. Enjoy in-unit laundry closet, basement storage, and covered carport parking. Come see downtown Independence living at its best!

1006 W Maple Avenue Unit #B, Independence

Listing courtesy of Jason and Jenni Lomonte of 1st Class Real Estate KC.
$400,000
4 Beds ⋅ 2.5 Baths
Welcome Home! This home is stunning and is located on a large corner lot! Office/Formal Dining located immediately off spacious and welcoming entry way! Hardwood floors in kitchen with bar, new appliances, updated cabinets, full pantry and nearby convenient half bathroom for guests. Gather around the warm fireplace in your family room! Newer flooring upstairs with 4 bedrooms, laundry room and full hall bath. Primary suite featuring vaulted ceilings and ensuite bathroom with dual vanity, tile floors, jetted tub and separate shower. The basement is all finished and stubbed for another bathroom. Located near parks, schools, shopping and highways. Come check it out!

3371 S Cochise Avenue, Independence

Listing courtesy of Christina Brown of Sage Door Realty, LLC.
$299,900
3 Beds ⋅ 2 Baths
Welcome to 17305 E. 51st Terrace in Independence, where thoughtful updates and stylish finishes make this home truly move-in ready. From the moment you step inside, you'll appreciate the fresh, modern feel and the care that's gone into every improvement. The updated interior offers comfortable living spaces designed for everyday life and effortless entertaining. This 3 bed, 2 bath home is IMPECCABLY updated and maintained, where you can feel the care and thoughtfulness in every room. Upstairs, the bedrooms boast wonderful storage, complemented by updated bathrooms. The finished basement provides valuable additional living space, perfect for a family room, home office, gym, or recreation area, offering a cozy fireplace and built-ins. Outside, you'll find a spacious backyard with plenty of room to relax, garden, entertain, or play. Whether you're a first-time buyer or looking for your next home, this beautifully updated property combines modern comfort, functional living space, and a generous lot in a convenient Independence location on a fantastic cul de sac.

17305 E 51st Court S, Independence

Listing courtesy of Stacy Porto of ReeceNichols -The Village.
$199,000
2 Beds ⋅ 1 Baths
Beautifully renovated 2-bedroom, 1-bath home where classic charm meets modern updates. This truly is a turnkey home featuring a stunning new kitchen with custom cabinetry, quartz countertops, and all-new appliances, along with a beautifully renovated bathroom, refinished hardwood floors, fresh interior and exterior paint, and updated lighting. Unlike many renovated homes, the improvements extend well beyond the cosmetic finishes. Enjoy the peace of mind that comes with a new roof, updated plumbing, electrical, and HVAC systems, a new electrical panel, newer windows, and a newer water heater. The basement has been professionally waterproofed with an interior drain tile system and sump pump. Backed by a transferable 25-year warranty, the basement is ready to be finished, offering the opportunity to expand your living space for years to come. This is one you won’t want to miss.

3331 S Arlington Avenue, Independence

Listing courtesy of Brian Midden of Real Broker, LLC.
$285,000
3 Beds ⋅ 3 Baths
This spacious True Ranch home is perfectly located near schools, shopping, restaurants, and highway access, tucked into a quiet, charming neighborhood. Step into the living room with its beautiful brick fireplace, opening into the large kitchen that overlooks the fenced backyard. The primary bedroom offers two closets, original hardwood floors, and a private bath. Off the kitchen and garage is a roomy mudroom with laundry for easy cleanups. The finished walk-out basement is massive, featuring a big gathering space, bar, brick fireplace, non-conforming fourth bedroom, full bath, hobby room, and plenty of storage. It’s ideal for in-law quarters or a rental with its own driveway. The covered, screened-in porch is a peaceful retreat with views of the treed yard, perfect for morning coffee or evening meals. Extra perks include abundant storage inside, a large shed, under-deck storage, and a second driveway and parking area great for an RV.

2701 S Maybrook Avenue, Independence

Listing courtesy of Dominic Dixon of KC Realtors LLC.
$320,000
4 Beds ⋅ 4.5 Baths
If you need a home with MANY bathrooms this is the ONE! This updated ranch includes; 3 bedrooms and 2.5 bathrooms on the main level with an additional bedroom and 2 full bathrooms in the basement. NO CARPET! 2 living rooms and a covered back patio provide plenty of gathering space, rounding out this 2436 finished square foot property! Extra space for parking located behind the house with a fully fenced in yard. Laundry is located in the basement garage. Accommodating to MANY family types, you won't want to miss this one!

600 E Linwood Terrace, Independence

Listing courtesy of Rachel Griffin of RE/MAX Innovations.
$145,000
2 Beds ⋅ 1 Baths
Welcome home to this cute and quaint 2-bedroom home. The exterior features low-maintenance vinyl siding, while the interior is enhanced with beautiful plantation shutters throughout. Both bedrooms are spacious and offer generous closet space. The kitchen comes fully equipped with all appliances included and offers the option for either a gas or electric stove. A convenient pantry provides additional storage, and the dedicated laundry room includes built-in shelving for organization. The living room has a built in office desk off the entryway. Enjoy relaxing or creating extra storage space on the covered back porch. Additional features include a walk-up basement, fenced in yard, and a storage shed for lawn equipment. This well-maintained home blends charm and functionality, making it the perfect place to call home.

309 E Kansas Avenue, Independence

Listing courtesy of Mandy Roe of Keller Williams Southland.
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