64640 Homes with FHA Financing

64640 Homes with FHA Financing

Welcome to Gallatin, Missouri, a charming city nestled in the heart of Daviess County, with the zip code 64640. This quaint area boasts a rich history and a warm, welcoming community that makes it an ideal place to call home. With its picturesque landscapes and friendly atmosphere, Gallatin offers a perfect blend of small-town charm and modern conveniences.

For homebuyers seeking to invest in this delightful region, you'll be pleased to know that many homes in Gallatin are eligible for FHA financing. This means that whether you're a first-time buyer or looking to downsize, you can take advantage of flexible financing options that make purchasing a home more accessible. FHA loans typically require lower down payments and have more lenient credit requirements, making it easier for you to secure your dream home in this idyllic setting.

The housing market in Gallatin features a variety of options, from cozy single-family homes to spacious properties with ample outdoor space. The community is known for its well-maintained neighborhoods, excellent schools, and abundant recreational opportunities. Enjoy the nearby parks, local shops, and dining options that add to the charm of this vibrant city.

Living in Gallatin means embracing a lifestyle filled with friendly faces, community events, and a strong sense of belonging. If you're looking for a place where you can create lasting memories and build a future, Gallatin, MO 64640, is the perfect destination for you. Explore the possibilities and discover your new home today!

Newest 64640 Homes with FHA Financing

$399,000
3 Beds ⋅ 2 Baths
Welcome to 112 Admiral Dr. where modern new construction, exceptional design, and breathtaking lake views come together to create the perfect Lake Viking retreat. This thoughtfully designed second-tier home offers 1,268 square feet of beautifully finished living space. An open, functional layout that feels spacious, comfortable, and inviting with abundant natural light, and stunning views that immediately draw your attention to the beauty of Lake Viking. The open-concept living area flows seamlessly into the kitchen, featuring granite countertops and stainless steel appliances. The expansive upper deck is the perfect place for watching the sunset over the lake or unwinding in the evening. The primary suite offers private patio access. With three bedrooms, two bathrooms, and an attached one-car garage, this home offers the ideal balance of comfort and convenience. The lower-level patio area provides endless possibilities, making it the perfect location for a future hot tub, outdoor kitchen, or entertainment space. A new storage shed provides additional space for lawn equipment, lake toys, fishing gear, and outdoor equipment, keeping everything organized and easily accessible. Situated close to the main entrance, you'll enjoy convenient access to the clubhouse, community pool, marina, beaches and many of the amenities that make Lake Viking one of Northwest Missouri's most desirable private lake communities. Ownership includes access to the 630-acre lake for boating, fishing, swimming, kayaking, skiing, tubing, and year-round recreational activities and community events as well as a Bar & Grill located within Lake Viking. Whether you're searching for a move-in-ready lake home where you can simply unpack and start enjoying the Lake Viking lifestyle or looking to downsize without sacrificing quality, views, or amenities, This beautifully crafted new home offers the perfect combination of modern finishes, efficient design, and an unbeatable location.

112 Admiral Drive, Gallatin

Listing courtesy of David Hibler of GASLIGHT REAL ESTATE.
$899,000
3 Beds ⋅ 2.5 Baths
The view is what it's all about! Perfectly situated behind the buoy, this exceptional waterfront property offers breathtaking panoramic views of beautiful Lake Viking, with the picturesque Lake Viking Dam serving as your backdrop. Set on approximately 0.45 acres with 82 feet of shoreline, the gently sloping lot is designed for enjoying lake life. Mature trees provide shade and character, while the fire pit and relaxing outdoor gathering area create the perfect setting for evenings by the water. A covered one-bay dock with a boat lift makes it easy to spend your days boating, fishing, or swimming. This well-maintained 3-bedroom, 2.5-bath split-level home features a convenient level-entry design with an attached 2-car garage. The spacious living room offers plenty of seating and is centered around a warm wood-burning fireplace, creating a welcoming place to gather with family and friends. The kitchen is filled with natural light from beautiful bow windows that showcase the surrounding scenery. Oak cabinetry, generous countertop space, a large peninsula, and an open dining area make this kitchen ideal for everyday living and entertaining. Step outside to the covered deck, where a custom wood ceiling and two bamboo ceiling fans create a comfortable outdoor retreat. Whether you're enjoying your morning coffee, dining outdoors, or simply taking in the spectacular lake views, this space is sure to become your favorite place to unwind. All three bedrooms are conveniently located on the upper level, while the lower level offers a spacious recreation room that's perfect for family gatherings, game nights, or additional entertaining space.

107 Lighthouse Point, Gallatin

Listing courtesy of Nadine PARMENTER of REECENICHOLS-IDE CAPITAL.
$295,000
3 Beds ⋅ 2 Baths
New Construction home in Gallatin! Located in a growing development with a peaceful, small-town atmosphere, this 3-bedroom, 2-bath home offers the perfect blend of comfort and functionality. Enjoy relaxing on the charming covered front porch or entertaining on the spacious concrete patio overlooking the backyard. Inside, you'll find a well-designed floor plan featuring a large living room with easy access to the patio, a well-designed kitchen, and a separate formal dining room. All three bedrooms feature carpeted flooring while the two full bathrooms provide convenience for family and guests alike. The oversized garage offers ample room for vehicles, tools, and additional storage. This quality-built home will be move-in ready soon—don't miss your opportunity to make it yours!

113 Westwood Drive, Gallatin

Listing courtesy of Tanya Burns of RE/MAX Town and Country.
$895,000
3 Beds ⋅ 2.5 Baths
Breathtaking views await! Perched near the dam at beautiful Lake Viking, this earth-contact home offers some of the most spectacular lake views you'll find. Whether you're relaxing on the expansive lower-level deck, gathering around the stone fire pit, or spending the day on the water, this property is designed for enjoying the lake lifestyle. A gentle path leads to the concrete two-bay dock featuring two boat lifts, with large limestone seawall, making it easy to get out on the water. Please note: the diving board, blue high-dive ladder, boats, and Jet Ski & port do not convey with the property. The home offers 3 bedrooms, 2.5 bathrooms, and a spacious open loft, providing plenty of room for family and guests. The unique earth-contact design offers comfortable living with multiple indoor and outdoor spaces for entertaining. The wide front entry welcomes you into the home, while additional access from the lower patio and deck provides convenience after a day on the lake. The attached two-car garage includes direct access to the loft area, where you'll also find a convenient half bath. A dedicated storage room offers plenty of space for lake toys and seasonal items, and the 10' x 14' detached storage shed provides even more room for your equipment. If you've been dreaming of lake life, this property has everything you need—from incredible views and fantastic outdoor living spaces to a private dock and room to entertain. Pack your lake gear and start making memories at Lake Viking! Schedule your private showing today!

115 Tackle Circle, Gallatin

Listing courtesy of Nadine PARMENTER of REECENICHOLS-IDE CAPITAL.
$280,000
3 Beds ⋅ 2.5 Baths
DON'T MISS OUT!! My sellers are highly motivated and ready to work with serious buyers. They're eager to move forward and are open to considering strong offers. Spacious home on approximately ¾ Acre located just on the edge of town giving you the space and privacy of county-style living while still being close to local amenities. This well-maintained home consists of 3-bedrooms, 2.5-bathrooms, living room, dining room and kitchen offering the perfect combination of comfort, space, and functionality. The attached garage provides everyday convenience, while the full basement offers abundant storage and approximately 900sf of finished area great for implementing a recreation room, home gym, crafting area, or home office. Situated on a beautifully sized ¾-acre lot, this property truly stands out with an impressive 30' x 40' detached garage/shop with concrete flooring, electricity, 2 automatic garage doors, insulated ceiling, floor drains and a loft for upper storage—ideal for extra vehicles, hobbies and equipment. Whether you're looking for room to grow, space to entertain, or the perfect workshop, this property has it all! This exceptional property offers the space and versatility you've been looking for—don't miss your opportunity to make it yours!

1401 S Prospect Street, Gallatin

Listing courtesy of Diane Mcley of Heritage Realty Farm and Home.
$315,000
3 Beds ⋅ 2 Baths
Welcome to this beautifully updated 3 bed, 2 bath home offering the perfect blend of relaxed lake living and everyday comfort. Located in the highly sought-after Lake Viking community, this home sits just minutes from one of Northwest Missouri’s premier private lakes featuring 630 acres of boating, fishing, swimming, skiing, beaches, clubhouse amenities, marina access, and year-round community events. Inside, you’ll love the bright open-concept living space with updated flooring, a stylish kitchen with large island seating, and spacious bedrooms throughout. The finished basement adds valuable extra living space perfect for a game room, office, workout area, or guest retreat. Step outside to enjoy the oversized covered deck, peaceful tree-lined setting, and an impressive fenced garden area ready for your summer harvests. Whether you’re looking for a full-time residence, weekend getaway, or a place to enjoy the lake lifestyle, this property delivers comfort, charm, and access to everything Lake Viking has to offer

143 Lake Viking Terrace, Gallatin

Listing courtesy of Dylan Fry of RE/MAX Advantage.
$269,500
3 Beds ⋅ 3 Baths
Reduced!! Small-town charm meets big-time comfort in this beautifully updated ranch just steps from the school! Whether it’s walking to ballgames, waving to neighbors from the patio, or enjoying the peaceful pace of rural living, this home makes it easy to feel right at home. Inside, you’ll love the fresh updates including a brand-new front door, crisp white trim, stylish white interior doors, and updated lighting that gives the home a bright, modern feel. The open-concept layout keeps everyone connected with a spacious living room, dining area, and kitchen designed for gathering, relaxing, and making memories. With 3 bedrooms and 3 baths, there’s room for everyone — and even two possible primary suites! The showstopper is the private primary retreat in the addition featuring a spa-like bathroom with a soaking tub, oversized walk-in shower with rain head and body sprays, plus an electric fireplace in the bedroom that makes every evening feel cozy and relaxing. The addition also brings extra function with a spacious laundry room, while updated flooring throughout adds style and comfort. Outside, you’ll find an oversized two-car garage and a great patio space perfect for summer evenings, backyard barbecues, or simply soaking in the quiet country atmosphere. Updated siding, newer windows, and included kitchen appliances make this move-in ready ranch even more appealing. Homes with this much space, personality, and location don’t come along often in a small town — come see why this one stands out!

801 Shona Drive, Gallatin

Listing courtesy of Tanya Burns of RE/MAX Town and Country.
$999,000
3 Beds ⋅ 2.5 Baths
Lake Viking Stunner! Beautiful lake home built in 2013, ideally located near the main entrance and private swimming pool! This property offers 228 feet of shoreline along with a single-well boat dock, making it perfect for enjoying everything lake life has to offer. A screened-in shelter provides the perfect space for relaxing or entertaining after a day on the water. Inside, you’ll find a custom-designed kitchen with granite countertops, along with hardwood floors on the main level and easy-to-maintain flooring downstairs. Some of the windows have been recently replaced! Also, some furnishings are negotiable, adding to the convenience of making this home your own. The 4-season sunroom is great for extra guests and entertaining. The spacious two-car garage offers plenty of room for vehicles and lake toys. Picture yourself relaxing while taking in beautiful lake views, grilling on the patio, and spending your days swimming, boating, and unwinding by the water.

106 Angler Point, Gallatin

Listing courtesy of Tanya Burns of RE/MAX Town and Country.
$248,000
4 Beds ⋅ 2 Baths
Just on the edge of town—where peace meets convenience—you’ll find a property that truly stands out! This 2006 home sits on 0.7 acres and offers 4 bedrooms, 2 baths, and a comfortable, move-in ready layout with updated furnace, central A/C, windows, and kitchen appliances. The primary suite features a relaxing jetted tub and a separate shower. BUT THE REAL SHOWSTOPPER? A PHENOMENAL 30x40 SHOP BUILT TO IMPRESS - COMPLETE WITH CENTRAL HEAT AND A/C, NEW GARAGE DOORS, AND BRIGHT LED LIGHTING! Whether you’re running a business, tackling projects, or need serious storage space, this shop delivers big-time value. Top it off with newer carpet and a welcoming covered front porch, and you’ve got a property that checks all the boxes. Opportunities like this don’t come around often—schedule your showing today!

402 W Corrine Street, Gallatin

Listing courtesy of Anita Riley of RE/MAX Town and Country.
$458,000
3 Beds ⋅ 2 Baths
Welcome to 1881 Lake Viking Terrace (Lot 2204) — This brand-new construction home offering the perfect blend of modern design, functionality, and opportunity to make it your own. This thoughtfully designed 3-bedroom, 2-bath home with a loft features approximately 1,400 sq ft on the main level, plus a full unfinished basement ready for future expansion. Step inside to a spacious great room with vaulted ceilings, creating an open and airy feel. The loft above, highlighted by a skylight, offers a versatile space perfect for a cozy reading retreat, guest overflow, or a fun getaway for kids. Sliding glass doors lead to the backyard, bringing in natural light and connecting indoor and outdoor living. The kitchen showcases upgraded appliances, modern finishes, and a functional layout complete with a pantry and nearby drop zone for everyday organization. Main floor laundry adds convenience. Enjoy a split-bedroom floor plan, with a generously sized primary suite featuring a large bathroom and walk-in closet on one side of the home, while two additional bedrooms and a full bath are situated on the opposite side for privacy. Additional highlights include: Luxury vinyl plank flooring throughout, 2-car attached garage, All-electric home, Corner lot location, Full unfinished basement with egress windows and ladders. Basement is stubbed for a future bathroom and wet bar, offering excellent potential for added living space and value. The backyard is a blank canvas, ready for your vision — whether it’s outdoor entertaining, a firepit area, or your own private retreat. Don’t miss this opportunity to own a brand-new home at Lake Viking with room to grow and personalize.

1881 Lake Viking Terrace, Gallatin

Listing courtesy of David Hibler of GASLIGHT REAL ESTATE.
$820,000
3 Beds ⋅ 2.5 Baths
Lakefront Cabin with Incredible Views – Lake Viking! Don’t miss this adorable lakefront cabin in a fantastic location at Lake Viking! Situated on a great flat lot with breathtaking water views, this property offers the perfect place to relax and enjoy lake life. The home features 3 bedrooms and 2.5 bathrooms, along with two wood-burning fireplaces that create a warm and inviting cabin feel. The main level includes a full kitchen, while the lower level offers a convenient kitchenette, making it ideal for guests or entertaining. The 1-car garage could easily be converted back to full garage use if desired. Step outside to enjoy the large deck overlooking the lake, a nice patio area, and plenty of parking for family and friends. At the water’s edge you’ll find a 2-well dock, perfect for keeping your boat ready for a day on the water This home has many upgrades and updates, is all electric, and is located close to I-35 for easy access. Property is TURN KEY! Living at Lake Viking means enjoying incredible amenities including boating, fishing, swimming, beautiful shoreline views, and a full-service marina. This one won’t last long — call today to schedule your showing!

1656 Lake Viking Terrace, Gallatin

Listing courtesy of Nadine PARMENTER of REECENICHOLS-IDE CAPITAL.
$975,000
5 Beds ⋅ 3.5 Baths
Reduced!! Modern, fun, and Turn-Key, this lakefront retreat is ready for you to enjoy! This beautifully remodeled 5-bedroom waterfront home is designed for ultimate summer living, complete with a dock and pavilion perfect for soaking up the sun. Move-in ready and thoughtfully designed for comfort and convenience, the home features two kitchens, two laundry areas (one on each level), and five spacious bedrooms. Step outside and enjoy the spacious deck, beautiful sidewalk down to a concrete patio right at the water’s edge, creating the perfect setting for relaxing or entertaining. Inside, you’ll love the bright, refreshing finishes that truly bring lake life to life. The main level showcases a soothing color palette, hardwood floors, and updates throughout, including new HVAC, plumbing, electrical, siding, and windows, this home has been remodeled down to the studs. The kitchen features stunning quartz countertops, stainless steel appliances including a dishwasher, and a stylish wet bar. The lower level is just as impressive, offering a second kitchen with dishwasher, eat-in dining area, 2 bedrooms, and two twin-to-king trundle daybeds. Additional highlights include built-in cubbies, banquette seating, and beautifully tiled bathrooms. Conveniently located near the main entrance and just moments from the clubhouse, salt water pool, marina, and beach, you’ll love having summer fun right at your fingertips—including food trucks within easy reach. Lake life is calling, don’t miss your chance to make it yours!

106 Lake Viking Terrace, Gallatin

Listing courtesy of Tanya Burns of RE/MAX Town and Country.
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