Richmond Homes with FHA Financing

Richmond Homes with FHA Financing

Welcome to Richmond, Missouri, a charming city nestled in Ray County, where community spirit thrives and families flourish. One of the standout features of Richmond is its highly regarded school district, which is dedicated to providing quality education and fostering a supportive environment for students. The Richmond School District boasts a range of educational programs, dedicated teachers, and modern facilities that cater to the diverse needs of its students, ensuring they are well-prepared for future success.

Richmond’s schools are known for their commitment to academic excellence, offering a variety of extracurricular activities that promote personal growth and community involvement. Parents can feel confident knowing their children are receiving a well-rounded education in a nurturing atmosphere. The district's strong focus on collaboration between educators, parents, and the community creates a vibrant learning environment that encourages student achievement.

For families looking to settle down in this picturesque city, Richmond offers a range of homes that qualify for FHA financing. This financing option opens the door for first-time homebuyers and those looking to upgrade, making homeownership more accessible. With affordable housing options and the charm of small-town living, Richmond is an ideal place to call home.

Imagine your family thriving in a community where educational opportunities abound, and neighborhood connections are strong. Richmond, MO, is not just a place to live; it’s a place to grow and create lasting memories. Explore the homes available in this welcoming community and discover why Richmond is the perfect place for your family’s next chapter.

Newest Richmond Homes with FHA Financing

407 S Second Street, Richmond
$89,000
2 Beds ⋅ 1 Baths
Take a look at this cute fixer upper with a lot of upgrades already completed! So much potential here. NEWER ROOF, NEWER FURNACE, NEWER BREAKER BOX, NEWER PLUMBING. Home has METAL siding. Deck & nice yard. Hardwood floors.

407 S Second Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
106 Dunns Lane, Richmond
$249,000
2 Beds ⋅ 1.5 Baths
Get your showing scheduled to see this cute as a bug, move in ready home because it won't last long! Home offers 2 bedrooms and 2 baths, and 1 car garage. Home has been remodeled with numerous updates! Newer AC, a HUGE pantry, beautifully painted kitchen cabinets, new fixtures throughout. All kitchen appliances plus the washer and dryer stay! Main floor laundry added for convenience. Enjoy more space in the basement with a spacious 3rd non conforming bedroom, bonus room/workout space or play area for the kids, and tons of storage space. A walk out basement adds convenience and enjoyment to the relaxing scenic views in the backyard. Enjoy the beauty of the seasons with relaxing evening walks in this quiet, picturesque neighborhood.

106 Dunns Lane, Richmond

Listing courtesy of Penny Millsap of Community Realty.
701 S Whitmer Street, Richmond
$289,900
3 Beds ⋅ 2 Baths
Welcome to 701 S Whitmer Street in Richmond, Missouri! Situated on a spacious .67-acre lot, this 3-bedroom, 2-bath home offers approximately 2,800 square feet of total finished living space, including a finished basement, providing plenty of room to relax, entertain, and enjoy everyday living. The finished lower level adds valuable living space and flexibility, whether you need room for gatherings, hobbies, a home office, or simply a place to unwind. The attached 2-car garage provides everyday convenience, while the additional detached outbuilding offers extra space for storage, tools, or outdoor equipment. Outside, the generous lot offers plenty of possibilities for gardening, outdoor entertaining, recreation, or simply enjoying the extra room between you and your neighbors. Conveniently located in Richmond, this property offers a wonderful opportunity for buyers looking for space and versatility. Schedule your showing and come explore the possibilities!

701 S Whitmer Street, Richmond

Listing courtesy of Sherrie Rickel of KC Realtors LLC.
1003 N Garner Street, Richmond
$265,000
3 Beds ⋅ 2 Baths
Welcome home to this charming 3 bedroom, 2 bath home in a desirable area, just 30 miles East of Kansas City! Situated on a beautiful corner lot with mature trees, this property offers a lovely layout and inviting spaces throughout. The remodeled kitchen and updated bathrooms add a fresh touch, while the spacious family room addition creates a warm and welcoming place to gather, complete with a gas fireplace that provides extra comfort and warmth. The basement offers additional flexible space that could serve as a second living room or potentially a fourth bedroom, as it already has a closet and conforming window. The laundry and an existing toilet and sink sit behind the finished basement space, that provide added possibilities for future improvements, including what could be a third bathroom. With its beautiful setting, welcoming atmosphere, and great value for the price, this home is one you won’t want to miss!

1003 N Garner Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
1005 Lisa Lane, Richmond
$262,000
3 Beds ⋅ 2.5 Baths
The classic brick and vinyl siding exterior of this single-family ranch home stands on a 0.3-acre lot in an established Richmond neighborhood. Mature trees provide a serene setting for the structure, which features a shingle roof and an attached garage with concrete flooring, a driveway, and integrated automatic garage door openers. Several updates have already been completed, including newer windows and a sliding glass door installed in 2021. Inside the three-bedroom, two-bathroom layout, an inviting living room is anchored by a brick fireplace, wood floors, ceiling fans, and built-in features. The remodeled kitchen has quartz countertops, white cabinetry, a subway tile backsplash, laminate flooring, and built-in features, with integrated appliances including a dishwasher, cooktop, gas range, microwave, oven, and refrigerator. The bedrooms offer comfortable spaces, with carpeted flooring, ceiling fans, and tray ceilings. One bathroom is finished with tile flooring and a vanity, while another serves as a powder room with a pedestal sink. The finished basement area showcases a painted brick fireplace, a concrete floor, and versatile living space. An unfinished basement section with a concrete floor, laundry sink, and basement laundry features provides storage and customization options. For outdoor relaxation, a concrete patio offers a quiet space beneath mature shade trees in the backyard. All offers must be submitted at www.vrmproperties.com. Agents must register as a User, enter the property address, and click on Start Offer. This property may qualify for Seller Financing (Vendee). Please note that if the property was built prior to 1978, Lead Based Paint Potentially Exists. All measurements and information are deemed reliable, but the buyer and the buyer's agent are responsible for verifying.

1005 Lisa Lane, Richmond

Listing courtesy of Michael Diggs of Realty Executives.
552 S Whitmer Street, Richmond
$234,900
2 Beds ⋅ 2 Baths
Welcome to this beautifully designed new construction home offering 2 bedrooms and 2 full baths with a great combination of style and functionality! The kitchen features custom cabinetry, stainless steel appliances, solid surface countertops, and a convenient pantry. Vaulted ceilings enhance the main living area, creating an open and spacious feel, while stained concrete floors offer a modern touch with easy maintenance. The primary suite includes a private bath and walk-in closet. A dedicated mudroom/laundry room adds everyday convenience. Enjoy the comfort and low-maintenance appeal of brand-new construction! Professional photos coming soon!

552 S Whitmer Street, Richmond

Listing courtesy of Justin Wrisinger of Platinum Realty LLC.
11930 Highway 13 Highway, Richmond
$350,000
3 Beds ⋅ 2 Baths
Open House, this Saturday, November 7th, you can buy it just in time for a beautiful Thanksgiving Feast! Don't miss your opportunity to check out this amazing home!! This property is located close to town with many of the country life amenities. Wake up for coffee in the formal living or dining room, both facing the East so that you can enjoy the rising sun or step out on the covered porch for a gentle breeze and watch the squirrels welcome the day. The semicircle- drive provides extra convenience, with additional parking in the back, as well as a South facing two-car attached garage, and 2nd two-car garage/barn in the back. The yard is a generous combination of trees, both evergreen and deciduous, and you can look forward to Spring when the garden will pop with all sorts of beautiful surprises, from Tulips and Lilies to Roses and Herbs. The gardens have always been some of the prettiest around! This home also has a good-sized yard for even more gardens or other hobbies. The walk-out basement makes it so convenient to store things, or could even be finished and made into a huge family area or Den. Inside the home there is ample storage and closets throughout, as well as Laundry right off the Kitchen on the Main Floor. This home is perfect for entertaining, for meetings and has been so loved by this family. We know you will love it too!

11930 Highway 13 Highway, Richmond

Listing courtesy of Jolene Martens of EXP Realty LLC.
414 E Lexington Street, Richmond
$225,900
3 Beds ⋅ 2 Baths
Original hardwood floors, doors, and trim throughout establish the historic character of this Richmond home, offering a warm and inviting atmosphere from the moment of arrival. The galley kitchen is designed for daily function and includes all appliances. This space provides a practical setup for preparing meals, with an adjacent dining room and a bonus family room providing designated areas for hosting guests. A sunroom offers a serene setting for quiet relaxation. The attic space, featuring original knotty pine and hardwood floors, presents versatile options for use as a non-conforming fourth bedroom, an office, or a playroom. The basement features a fireplace and knotty pine details, serving as a functional space suitable for a den or work area. Situated on level lot with one car garage, this property provides a blend of classic features and functional living spaces.

414 E Lexington Street, Richmond

Listing courtesy of Tanya Adams of Community Realty.
304 W Royle Street, Richmond
$255,000
4 Beds ⋅ 2 Baths
This historic home has been totally redone with new siding, roof, guttering, LVP and carpet flooring,lighting throughout, new HVAC zoned units, kitchen upgrade w/butcher block counters, electric panel upgrade to 200AMP, plumbing upgrades including a walk-in primary shower with rain water head, There are three bedrooms on the first floor and one upstairs that walks out to a private balcony. There is another non-conforming bedroom which could be used as an office or play room. The back yard is your own oasis with a new fire pit and outside patio living area. There is also plenty of room for outdoor games/play equipment.

304 W Royle Street, Richmond

Listing courtesy of Vickie Clevenger of Platinum Realty LLC.
103 Clark Street, Richmond
$234,900
3 Beds ⋅ 2 Baths
Move-in ready 3-bedroom, 2-bath home with great updates throughout! Features include updated electrical, thermal windows, main-floor laundry/mudroom, and a full basement offering plenty of additional space and storage. Outside, you’ll appreciate the oversized lot and 2-car attached garage. Conveniently located near the city park, this home offers a great combination of space, updates, and functionality

103 Clark Street, Richmond

Listing courtesy of Justin Wrisinger of Platinum Realty LLC.
615 S Camden Street, Richmond
$270,000
3 Beds ⋅ 2 Baths
Completely remodeled and move-in ready, this all ranch home offers a fresh, modern feel with thoughtful updates throughout. The floor plan has been opened up to create excellent flow between the living room and brand new kitchen, featuring updated cabinetry, stylish countertops, and plenty of space to gather. LVP flooring runs throughout the main level, complementing the clean, updated look. Both bathrooms have been beautifully remodeled with updated fixtures and custom tile. The basement provides a blank canvas for whatever you need—additional living space, recreation area, home office, or future bedrooms. The existing windows offer the potential for conforming bedrooms should you choose to finish the space. The new roof and HVAC system will have you living worry free for years to come. Conveniently located near 210 Highway, making the commute toward Kansas City easy and accessible. With major updates already completed, this home is ready for its next owner to simply move in and enjoy! Square footage and lot dimensions to be verified by buyer and buyer's agent.

615 S Camden Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
510 Sycamore Drive, Richmond
$349,900
3 Beds ⋅ 2 Baths
This home is a must see! Well cared for 3 bedrooms 2 bath home owned by sellers since it was built. Attention to detail and quality craftsmanship shine throughout. Home offers new AC 2025, newer furnace in 2017, stainless kitchen appliances, and a fourth non-conforming bedroom in the basement. Step outside and enjoy the newly added deck perfect for relaxing and entertaining. An attractive retaining wall enhances the backyard while helping manage soil and provides stability to the property. All on a beautiful setting with mature trees and frequently seen deer in the backyard.

510 Sycamore Drive, Richmond

Listing courtesy of Penny Millsap of Community Realty.
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