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

$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.
$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.
$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.
$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.
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