Independence Homes with USDA Loan Financing

Independence Homes with USDA Loan Financing

Welcome to Independence, a vibrant city that perfectly blends small-town charm with modern conveniences. One of the standout features of this community is its exceptional school district, known for its commitment to academic excellence and holistic student development. The Independence School District prides itself on providing a nurturing environment where students can thrive, offering a wide range of extracurricular activities, advanced placement courses, and dedicated educators who are passionate about fostering a love for learning. Parents can rest assured that their children will receive a quality education that prepares them for future success.

For those looking to settle down in this welcoming city, Independence offers a variety of homes that are eligible for USDA loan financing. This means that potential homeowners can take advantage of zero down payment options and favorable loan terms, making it easier than ever to achieve the dream of homeownership. Whether you’re a first-time buyer or looking to upgrade, the housing market here features a diverse selection of properties, from charming single-family homes to modern townhouses, all nestled in family-friendly neighborhoods.

Living in Independence not only means access to quality education but also a strong sense of community. Residents enjoy local parks, recreational facilities, and a range of shops and restaurants that cater to every taste. With its strong educational foundation and affordable housing options, Independence is a fantastic place to call home. Come explore the possibilities and discover why so many families are proud to be part of this thriving community!

Newest Independence Homes with USDA Loan Financing

$109,000
3 Beds ⋅ 1 Baths
If you've been hoping to find a home with character and plenty of space to make your own, 416 S 6th Street is one you'll want to see. Situated on a large corner lot just blocks from downtown Independence, this charming home is full of warmth, personality, and timeless appeal. The inviting covered front porch is the perfect place to enjoy your morning coffee or relax at the end of the day. Inside, you'll find beautiful wood trim, built-in details, a classic brick fireplace, and large dining room windows that fill the space with natural light, creating a warm and welcoming place to gather with family and friends. The kitchen offers warm wood cabinetry and a cozy eat-in dining area. Just off the kitchen is an oversized laundry room that offers endless possibilities. Whether you need a fourth bedroom, family room, home office, or hobby space, you'll have the flexibility to make it fit your lifestyle. Upstairs, the spacious finished bed room gives you even more options. It could serve as a private primary suite, a second living area, a game room, or simply extra space to spread out. Outside, the fenced backyard provides plenty of room to enjoy the outdoors, while mature shade trees add to the home's curb appeal. The long driveway leads to a detached one-car garage with additional workspace, making it a great spot for hobbies, projects, or extra storage. Located just minutes from the shops, restaurants, and historic charm of downtown Independence, this home offers the perfect mix of character, flexible living space, and convenience. If you've been looking for a home with charm and room to make it your own, 416 S 6th Street is ready to welcome you.

416 S 6th Street, Independence

Listing courtesy of Jessica Renfrow of EXP Realty LLC.
$89,000
2 Beds ⋅ 1 Baths
What a great home that just came on the market but I bet not for long! You walk in to the family room and feel instantly at home and then the open kitchen and dining area also has a bonus space for additional kitchen space or office. The main bedroom is exceptionally big and is next to the other bedroom and full bath. The home has updated windows, central heat and air,vinyl siding, ceiling fans, updated flooring throughout and the big bonus to the home is a large 2 car detached garage! The home has a privacy fenced yard. Don't wait, this home is well maintained and updated along with a very nice 2 car garage ready for you at a great price!

812 W Locust Street, Independence

Listing courtesy of Amber Gregory of Keller Williams Realty Select.
$141,000
2 Beds ⋅ 1 Baths
Charming 2 bedroom, 1 bath bungalow offering spacious room sizes, comfortable living spaces, and plenty of updates. The inviting covered front porch welcomes you into a home featuring durable hard-surface flooring throughout the generously sized rooms. The large kitchen provides ample workspace and storage, with newer lower cabinets and a butcher block countertop. A large first-floor laundry room adds everyday convenience. Thermal-pane tilt-in windows and low-maintenance vinyl siding provide added efficiency and easy upkeep. Outside, enjoy a private, fenced backyard with a garden shed for additional storage. The one-car detached garage features a new metal roof. A great opportunity for a first-time buyer, downsizer, or investor looking for a well-maintained home with character and practical amenities.

106 S Park Avenue, Independence

Listing courtesy of Brett Wren of RE/MAX Heritage.
$155,000
3 Beds ⋅ 2 Baths
Great location near schools and country club golf course. Three bedrooms, 1 3/4 bath ranch that is been very well maintained and owned for the last 47 years. Big family room addition with fireplace, nice shaded corner lot with big patio and storage building. Home has oak wood trim and cabinets throughout.

2400 Linda Jean Drive, Independence

Listing courtesy of Cynthia White of Bill White Realty.
$30,000
The vacant lot is what is for sale

10003 E 36th Street, Independence

Listing courtesy of Megan Whitaker of 1st Class Real Estate KC.
$140,000
3 Beds ⋅ 2 Baths
Welcome home! This inviting 3 bedroom, 1¾ bath property sits on a spacious corner lot in a peaceful, well established neighborhood and is the perfect setting for your next chapter. Step onto the homey front porch, shaded by mature trees and shrubs, and feel instantly at ease. Inside, a bright, open living area is anchored by a cozy fireplace, creating a warm and welcoming space to relax or entertain. Out back, enjoy true privacy in the fully fenced yard, complete with a large covered deck. This space is ideal for morning coffee or evening get togethers. A storage shed adds extra convenience for tools, toys, or hobby gear. This home is move in ready and just waiting for your personal touch to make it truly shine. Don't miss the opportunity to add your own style to this solid, charming property in a fantastic spot!

624 N 15th Street, Independence

Listing courtesy of Jessica Blackmore of L2 Realty, Inc..
$75,000
3 Beds ⋅ 1 Baths
Great starter home alert! This 3 bedroom, 1 bathroom home sits on a corner lot and is ready for its next owner. It features a new roof installed in 2022, along with updated paint and flooring throughout. The many windows let in plenty of natural light, giving the home a bright, welcoming feel. The spacious kitchen offers plenty of room to cook and gather, while the detached garage would make a great workshop, storage space, or hobby area. Be sure to add this one to your list and schedule a showing!

800 E Hill Street, Independence

Listing courtesy of Zac George of Golden Oak Real Estate, LLC.
$187,000
3 Beds ⋅ 2 Baths
Win, Win Win! This Home is in a Great Location, Nice Neighborhood with a Corner Lot on a Dead End Road! This Well Maintained Brick Ranch will Check Your Boxes! Includes 3 Bedrooms, 2 Full Baths, Master Suite w/Bath and Walk In Closet, Spacious Kitchen w/Appliances, Dining Area, Living Room w/Wood Burning Fireplace, Laundry Room, Oversized 2 Car Attched Garage w/Shop Area, Pull Down Storage, Back Covered Patio, Fenced In Back Yard Area, Storage Shed and a Concrete Pad to Park the Camper or Extra Vehicles! The Owners have Replaced the Flooring Throughout and Painted the Interior and Exterior! AND, You Can Personalize Your New Home with the Available Paint Allowance ! In Addition, the Security System will Remain! It is a Ring System with Smoke/Carbon Monoxide Alarms, Door Sensors, Doorbell Camera, Garage Motion Light/Camera, and a Patio Camera!

2000 N 11th Street, Independence

Listing courtesy of Michelle Loganbill of Coldwell Banker Pasternak Johnson.
$294,900
3 Beds ⋅ 2 Baths
New Construction with a 10,000 rebate to items of your choice! Open concept, Check! No other owners? Check! New everything for your peace of mind! Come See it today or request a video tour!

606 Catalpa Street, Independence

Listing courtesy of Tucker Killian of Bill White Realty.
$236,000
3 Beds ⋅ 2 Baths
This brand new home is just what you've been looking for! Move right in where everything is new, fresh, and clean!The open floor plan creates a flow that is so adaptable for today's living. The new laminate floors in the living area will coordinate with any color scheme that you desire. The carpeted bedrooms are neutral as well. All the appliances make for stress free living. Wouldn't you just love a new home? You deserve it!

507 Pearl Avenue, Independence

Listing courtesy of Todd Young of Keller Williams Realty Select.
$75,000
2 Beds ⋅ 1 Baths
This very nice 2 bedroom bungalow is waiting for the new owner to move in and call it home. Vinyl siding means no more outside painting. A NEW roof was put on in 2024. The front room and dining area have a lot of room, and just wait until you see the kitchen. WOW! It's surprisingly spacious. The back and front yards are fenced. The back yard garage/shop is a great space for all kinds of projects. Comw on in!

222 S Burns Street, Independence

Listing courtesy of Todd Young of Keller Williams Realty Select.
$199,900
3 Beds ⋅ 2 Baths
Welcome to Woodland View, one of Independence's most desirable neighborhoods. Homes here don't come available often because people love living in this area. Tucked away at the top of the hill near two dead-end roads, this home offers a quiet location while still being just minutes from everything Independence has to offer. As you step inside, you're welcomed by an entryway that opens into the living and dining areas. Floor-to-ceiling windows fill the living room with natural light and overlook the backyard, deck, and fire pit. The updated kitchen offers great workspace and is conveniently located next to a separate laundry room with direct access to the attached garage. The oversized garage provides room for larger vehicles, additional storage, or cabinetry. Down the hallway, you'll find three bedrooms and two full bathrooms, including a primary suite with its own private bathroom. Outside, the home sits catty-corner on the lot with a privacy-fenced backyard, deck, fire pit, and flower garden, creating a great space to relax or entertain. This home has been exceptionally well maintained, and it shows. From the layout to the location, this is the kind of property buyers wait for in Woodland View. Schedule your showing when it becomes available—you won't want to miss this opportunity.

4001 Cr 4055 N/A, Independence

Listing courtesy of Kristina Fulk of L2 Realty, Inc..
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