64640 Homes with USDA Loan Financing

64640 Homes with USDA Loan Financing

Welcome to Gallatin, Missouri, located in the heart of Daviess County, where charm meets opportunity in the 64640 zip code. This vibrant community is not only rich in history but also offers a welcoming atmosphere perfect for families, retirees, and everyone in between. Nestled amidst picturesque landscapes, Gallatin boasts a blend of small-town charm and modern conveniences, making it an ideal place to call home.

For prospective homeowners, the 64640 area has exciting news! Many properties qualify for USDA loan financing, making homeownership more accessible than ever. The USDA loan program is designed to assist those looking to buy in rural areas, offering zero down payment options and competitive interest rates. This means you could step into your dream home without the burden of a hefty upfront cost.

Gallatin features a variety of homes, from cozy single-family residences to larger estates, all surrounded by the natural beauty of Missouri’s countryside. The community is known for its friendly neighbors, excellent schools, and local amenities that cater to all ages. Enjoy leisurely strolls in the park, engaging community events, and a strong sense of belonging.

Whether you’re a first-time buyer or looking to invest in a new property, the 64640 zip code offers a wealth of options enhanced by the benefits of USDA financing. Discover the charm of Gallatin and make this delightful town your new home!

Newest 64640 Homes with USDA Loan Financing

$189,500
4 Beds ⋅ 2 Baths
Looking for a home that’s move-in ready and easy to love? This handsomely updated ranch checks all the boxes with 4 bedrooms, 2 full baths, a comfortable living room, spacious kitchen, and convenient main-level laundry—all on one easy-to-manage level. Whether you’re looking for your first home, ready to downsize, or searching for a great investment property, this home offers plenty of possibilities. The detached garage features a concrete floor and electricity, making it perfect for parking, storage, hobbies, or projects. Affordable, updated, and move-in ready—this one is worth a look!

807 S Willow Street, Gallatin

Listing courtesy of Anita Riley of RE/MAX Town and Country.
$730,000
3 Beds ⋅ 2 Baths
Investor’s Dream at Lake Viking! This unique property offers outstanding investment potential and flexibility. The home sits on three lots, and two additional adjoining lots are also available—one featuring a volleyball court and a hangout shed located east of the property. The seller has created beautiful views of Lake Viking. Quality stick-built construction with 2x6 walls, metal siding, and finished concrete floors makes this home attractive and low-maintenance. Enter through the covered, stamped-concrete porch featuring ceiling fans and relaxing lake views. Inside, you’ll find a spacious, open-concept modern design with painted cabinetry, a beautiful granite island with built-in storage, and a pantry. The main level offers comfortable bedrooms, a full bathroom, a laundry area, and distinctive sliding barn doors. The large recreation room features epoxy flooring, wood-accented walls, vaulted ceilings, and a garage door providing convenient access and additional storage. A 5' x 10' in-ground storm shelter offers added peace of mind. The partially fenced backyard includes a nice doghouse. Upstairs, you’ll find a large bedroom and den leading to an oversized deck—perfect for relaxing and enjoying the Lake Viking views. With abundant garage and storage space, additional adjoining lots, and flexible possibilities, this property is an exciting opportunity for an investor, lake enthusiast, or buyer looking for room to grow. Call for additional information about the adjoining lots. The seller states that dues and assessments will be paid by the seller through April 31st 2027.

1933 Lake Viking Terrace, Gallatin

Listing courtesy of Nadine PARMENTER of REECENICHOLS-IDE CAPITAL.
$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.
$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. Move -In Ready!!

113 Westwood Drive, Gallatin

Listing courtesy of Tanya Burns of RE/MAX Town and Country.
$849,000
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, wet steps & high jump ladder shoreline is adorned with large limestone seawall, making it easy to get out on the water. Please note: the diving board & boats 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.
$145,000
Exceptional Business & Investment Opportunity! Take advantage of this unique chance to own a versatile commercial property with multiple income and lifestyle possibilities. The opportunity to purchase a fully operational, turnkey business that has already established itself as a local favorite allows for a seamless transition into ownership. This includes equipment as well as inventory. The property's 1,956-square-foot main level is currently home to a thriving restaurant/retail operation, while the 1,976-square-foot second floor features spacious living quarters with 3 bedrooms and 1 bathroom—perfect for an owner-operator, employee housing, or additional rental income potential. Whether you continue the successful existing business or bring your own vision to life, this property offers outstanding flexibility and value. Don't miss this rare opportunity to invest in a well-established property located in a welcoming and growing community.

124 W Grand Street, Gallatin

Listing courtesy of Austin Stevens of Show-me Real Estate.
$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.
$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.
$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.
$45,000
Lot 3070 at Lake Viking. The Perfect Place to Build Your Dream Lake Retreat. Lot 3070 offers an unobstructed view of Lake Viking. Enjoy lake views without waterfront taxes while still seeing the water. this lot offers exceptional flexibility for home placement, driveway access, garage orientation, and overall design possibilities. The corner-style positioning opens the door to creative layouts and maximum curb appeal. Build to suit. Several home plans are available to accommodate every family’s needs, whether you envision a modern lake escape, a spacious family retreat, or a low-maintenance getaway. This property also offers a streamlined, all-in-one building solution, Mortgage broker contacts available for pre-approval and construction financing, Contractor ready to assist with lot evaluation and build pricing. Multiple home plans available, Guidance from purchase through completion. From purchasing the lot to securing your construction loan, selecting your home plan, and breaking ground, everything can be coordinated for a smooth and efficient transition into lake living. Lake Viking continues to be one of Northwest Missouri’s most sought-after private lake communities. Now is the time to secure your lot and start building. Lake Viking amenities offer lake access, Clubhouse, boat launch, pool, Marina, public beaches, 19 miles of paved roads, food trucks and a beverage store all located within Lake Vikings Subdivision.

Lot 3070 Doe Court, Gallatin

Listing courtesy of David Hibler of GASLIGHT REAL ESTATE.
$125,000
Lot 1862 at Lake Viking. The Perfect Place to Build Your Dream Lake Retreat. Lot 1862 offers an unobstructed view of Lake Viking and is ideally located directly across from a community area featuring a fishing dock. Enjoy lake views without waterfront taxes while still being steps away from the water. Situated on Lake Viking Terrace with Pilot Rd along the side and Pirate Rd behind, this lot offers exceptional flexibility for home placement, driveway access, garage orientation, and overall design possibilities. The corner-style positioning opens the door to creative layouts and maximum curb appeal. Build to suit. Several home plans are available to accommodate every family’s needs, whether you envision a modern lake escape, a spacious family retreat, or a low-maintenance getaway. This property also offers a streamlined, all-in-one building solution, Mortgage broker contacts available for pre-approval and construction financing, Contractor ready to assist with lot evaluation and build pricing. Multiple home plans available, Guidance from purchase through completion. From purchasing the lot to securing your construction loan, selecting your home plan, and breaking ground, everything can be coordinated for a smooth and efficient transition into lake living. Lake Viking continues to be one of Northwest Missouri’s most sought-after private lake communities. Now is the time to secure your lot and start building. Lake Viking amenities offer lake access, Clubhouse, boat launch, pool, Marina, public beaches, 19 miles of paved roads, food trucks and a beverage store all located within Lake Vikings Subdivision.

Lake Viking Lot 1862 Terrace, Gallatin

Listing courtesy of David Hibler of GASLIGHT REAL ESTATE.
$259,000
3 Beds ⋅ 2 Baths
Looking for an affordable new build? This 3-bedroom, 2-bath home is full of modern updates, featuring neutral paint throughout, recessed lighting, and stylish fixtures. Situated on a 1/2-acre lot (which includes the lot to the North), the property offers a great location and a large deck with peaceful views. The primary suite includes a spacious bathroom with a soaker tub and walk-in shower. Two additional bedrooms share a well-appointed hall bath. A pantry and laundry room add convenience, while the 2-car garage and cement driveway complete this beautiful home. Great neighborhood in a rural town just 1 hour North of Kansas City.

112 Westwood Drive, Gallatin

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