Chattanooga Homes with FHA Terms

Welcome to Chattanooga, Tennessee—a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its stunning natural beauty, rich history, and thriving cultural scene, Chattanooga has become a sought-after destination for homebuyers looking for both charm and convenience. With the Tennessee River winding through the heart of the city, residents can enjoy a plethora of outdoor activities, from hiking and biking to kayaking and fishing.

Chattanooga boasts a diverse array of neighborhoods, each with its own unique character. Whether you prefer the bustling energy of downtown, the historic charm of St. Elmo, or the family-friendly atmosphere of Hixson, there’s a perfect home waiting for you. The city is also home to top-rated schools, a growing job market, and an array of dining and entertainment options, making it an ideal place for families, young professionals, and retirees alike.

For those looking to purchase a home, many properties in Chattanooga qualify for FHA financing. This means you can take advantage of lower down payment options and more flexible credit requirements, making homeownership more accessible than ever. With a variety of homes available—ranging from cozy bungalows to modern townhouses—you’ll find something that fits your lifestyle and budget.

Explore the beauty and warmth of Chattanooga, where Southern hospitality meets urban sophistication. Discover your dream home in this enchanting city, and let the adventure begin!

Newest Chattanooga Homes with FHA Terms

$159,900

2 Beds ⋅ 1 Baths ⋅ 1543242 MLS

Move-in ready and fully updated 2-bedroom home in Chattanooga! Recent improvements include a new roof, new plumbing, new flooring, updated kitchen cabinets, and new kitchen appliances. This refreshed home offers a clean, modern feel and is a great opportunity for a first-time buyer, downsizer, or investor. Don't miss this affordable, updated Chattanooga home!

4218 14th Avenue, Chattanooga

Listing courtesy of REAL Broker.

$47,000

1543228 MLS

INVESTOR/BUILDER ALERT! Excellent opportunity at 4603 English Ave., Chattanooga! Priced at just $47,000 and zoned RN-2, this vacant lot offers great potential for new residential development. Convenient Chattanooga location with easy access to downtown, shopping, dining, and major roadways. Build, invest, or hold for the future--don't miss this opportunity! Buyer to verify zoning, permitted uses, utilities, lot dimensions, and all information deemed important.

4603 English Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

$394,900

3 Beds ⋅ 2 Baths ⋅ 1543225 MLS

You know it when you see it--the search stops at 4222 Webb Road. Built for easy living and entertaining, this immaculate, all-main-level home delivers the quality of newer construction with all the high-end upgrades you usually have to add yourself. Step inside to an airy, open layout framed by soaring ceilings. The heart of the home centers around a great room with a cozy gas-log fireplace that flows effortlessly into the dining area and chef's kitchen--complete with a massive center island, 6-burner gas cooktop, handsome stainless steel appliances (refrigerator included), and a custom walk-in pantry with solid wood shelving. The thoughtful split-bedroom layout ensures maximum privacy. The expansive primary suite features a tray ceiling, an oversized tiled shower, double vanity, and a custom walk-in closet. The generous secondary bedrooms also feature built-in custom closet systems--say goodbye to wire shelving! Everyday conveniences continue with a dedicated laundry room offering built-in cabinetry and a utility sink, plus walk-up/pull-down attic storage above the spacious garage. A tankless water heater provides efficient and quick hot water. Outside, relax on the covered back patio with a tongue-and-groove ceiling, overlooking a fully privacy-fenced yard set nicely back from the road. Perfectly positioned to offer both convenience and peace and quiet.

4222 Webb Road, Chattanooga

Listing courtesy of Keller Williams Realty.

$400,000

2 Beds ⋅ 2 Baths ⋅ 1543219 MLS

Opportunity is knocking! This well-maintained duplex is within walking distance to Northshore, downtown, restaurants, shopping, gyms, parks, and hiking trails. All of these amenities are just moments away while the property itself sits on a quiet, peaceful street. Please note: Because this is a duplex, showings will be limited to the left side, 712 Merriam St. The 714 side is currently occupied by a long-term tenant who is paying $1,225/month, with a lease in place through June 1, 2027. The 712 Merriam side features a spacious one-bedroom, one-bath layout with ample storage, off-street parking, and access to the large, fenced, flat backyard. The property also has alley access in the rear, offering the potential for additional parking. A large storage building provides plenty of room for toys, tools, and extra belongings. The property has seen several recent improvements, including a brand-new roof and an encapsulated crawlspace. Electrical and plumbing have been updated, along with the kitchens, bathrooms, flooring, and insulated windows in recent years. The 712 Merriam side has continued to operate as a short-term rental, offering flexibility for an investor or owner-occupant. The 714 side provides consistent long-term rental income at $1,225/month through June 2027. With its desirable location, multiple rental possibilities, recent updates, and income potential, this duplex offers plenty of options for its next owner. Opportunities like this don't last long!

714 Merriam Street, Chattanooga

Listing courtesy of REAL Broker.

$315,000

3 Beds ⋅ 2 Baths ⋅ 1543166 MLS

Tucked away on a private wooded lot adjacent to Walden's Ridge Park, this home is a dream for hikers, mountain bikers, and nature lovers alike, with trails practically in your backyard. An adorable front porch welcomes you inside, where you'll find 3 bedrooms and 2 full bathrooms, along with an open, eat-in kitchen where French doors lead out to a peaceful, private patio. Fresh paint throughout and newly finished, sealed concrete floors give the home a bright, move-in ready feel. Sloping, wooded terrain surrounds the property, giving it the feel of a true mountain getaway, yet you're still just minutes from town in incredible Red Bank. A private drive adds to the sense of seclusion, and a brand new EV charger on the side of the home offers added flexibility for electric or hybrid vehicles. Don't miss this rare opportunity to own a serene mountain retreat with outdoor adventure just steps from your door!

4123 Mountain Creek Road, Chattanooga

Listing courtesy of Keller Williams Realty.

$760,000

4 Beds ⋅ 4 Baths ⋅ 1543144 MLS

Set within the desirable Ridgeside community, 103 Ridgeside Road is a beautiful four-bedroom, four-bath home offering approximately 3,200 square feet of living space, timeless architectural details, and a setting that feels tucked away while remaining remarkably convenient to downtown Chattanooga. Originally built as the model home for the neighborhood, the home was constructed to showcase the quality and craftsmanship of the community, with high-quality building materials and thoughtful architectural details that have stood the test of time. From the moment you arrive, the home makes a wonderful first impression with its classic brick exterior, black shutters, mature surroundings, and welcoming covered front porch. Step inside to an elegant interior where hardwood floors, stately trim and molding, oversized arched doorways, and abundant natural light give the home a sense of character that carries from room to room. The gracious living room centers around a gas log fireplace with a handsome mantel, creating an inviting space for both everyday living and entertaining. Just beyond, a spacious sunroom wraps you in natural light and offers a lovely place for morning coffee, reading, relaxing, or filling the windows with favorite plants. A formal dining room provides a beautiful setting for dinners and gatherings, while the kitchen offers generous wood cabinetry and plenty of room for everyday meal preparation. Throughout the home, thoughtful architectural details add interest and personality, including beautiful molding in the bedrooms. The spacious primary suite includes a private en suite bath, while additional bedrooms and full baths provide plenty of flexibility for family and guests. A small dedicated room also makes an ideal work-from-home space, study, or creative nook. Downstairs, the basement expands the possibilities even further with multiple bonus spaces that can adapt to your needs. Create a home office, game room, workshop, hobby space, or additional storage, all complemented by a full bathroom with a walk-in shower. Outside, a small patio provides a quiet spot to enjoy the established surroundings, while the attached three-car garage offers an exceptional amount of parking and storage. Located just minutes from downtown Chattanooga, area schools, hospitals, shopping, dining, and everyday conveniences, Ridgeside is known for its beautiful surroundings and strong sense of community. An option to join the community pool adds another way to enjoy neighborhood life and warm summer days close to home. With its history as the neighborhood's original model home, classic architecture, generous living spaces, flexible lower level, and sought-after Ridgeside setting, 103 Ridgeside Road is a home with the character and space to make your own. Local lenders are preferred. Schedule your showing today!

103 Ridgeside Road, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$450,000

4 Beds ⋅ 4 Baths ⋅ 1543128 MLS

Live in one side. Lease the other. Rent both. However you choose to use it, this brand-new duplex creates opportunities that are increasingly rare in today's market. Located in the growing Somerville Cottages community in South Chattanooga, this newly constructed two-unit townhome offers multiple ways to generate income, reduce housing costs, and build equity. Owner-occupants can offset their mortgage by leasing one side while enjoying the benefits of homeownership. Investors can add a turnkey asset to their portfolio in an area experiencing significant growth and strong rental demand. The flexible layout also creates opportunities for multi-generational living, roommates, or shared ownership arrangements. What truly sets this property apart is the combination of income potential and peace of mind. Unlike older duplexes that often require immediate repairs, ongoing maintenance, or costly capital improvements, this property is brand new and backed by a 1/2/10 builder's warranty. That means predictable ownership costs, reduced maintenance concerns, and the ability to focus on maximizing the property's potential rather than budgeting for unexpected expenses. Each unit is thoughtfully finished with quartz countertops, a complete appliance package, luxury vinyl plank flooring throughout, high ceilings, and modern design selections that appeal to today's renters and homeowners alike. Durable materials, efficient floor plans, and cohesive finishes help support long-term rental appeal while minimizing upkeep. South Chattanooga continues to see substantial investment and development, attracting both residents and investors seeking proximity to the city's most popular destinations. Located just minutes from Downtown Chattanooga, Main Street, St. Elmo, Broad Street, Publix, and the new stadium district, this location offers the accessibility, convenience, and lifestyle amenities that help drive consistent housing demand.

3600/3700 Hodley Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$179,700

1 Beds ⋅ 1 Baths ⋅ 1543126 MLS

Brand-new. Move-in ready. Under $180,000. It sounds impossible in today's market, but it's here. At just $179,900, this is the lowest-priced new construction home currently available in Chattanooga, delivering a level of quality and value that's nearly impossible to find. While buyers continue to compete over aging homes, outdated renovations, and flipped properties with unknown histories, this home offers something entirely different--a fresh start with everything brand new, a builder's warranty, and the confidence that comes from knowing you won't be inheriting someone else's deferred maintenance or unexpected repair bills. Why gamble on an older home when you can enjoy the peace of mind that only new construction provides? No wondering when the roof will need replacing. No surprise HVAC failures in the middle of summer. No outdated plumbing or electrical. No expensive appliance replacements just months after moving in. Instead, enjoy the confidence of owning a brand-new home backed by a builder's warranty, allowing you to spend your money making memories instead of making repairs. And don't mistake this price for a builder cutting corners. This home is loaded with upgrades, including durable Hardie siding, quartz countertops, luxury vinyl plank flooring throughout, soaring 9-foot ceilings, abundant natural light, and a thoughtfully designed floor plan that lives larger than its footprint. Every finish was selected with quality, style, and long-term value in mind. Located in the growing Somerville Cottages community, you're just minutes from downtown Chattanooga, St. Elmo, Main Street, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. It's a chance to own a brand-new home in an exciting location without stretching your budget.

3605 Hodley Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$579,900

3 Beds ⋅ 3 Baths ⋅ 1543123 MLS

Wonderful rocking chair front porch home in one of Chattanooga's most sought after neighborhoods. This Craftsman style home sits on a beautiful corner lot and has been freshly painted. Solid hardwood flooring throughout the main level. Soaring ceilings in the great room, centered around a gas fireplace. Plantation shutters throughout. Open floor plan flows into the kitchen area with tons of refinished kitchen cabinetry, island work center, granite counter tops and stainless appliances. Primary suite is on the main level with hardwood flooring and crown moulding. Primary bathroom has double bowl vanity, jetted tub, separate shower and oversized walk-in closet. The main level of the home also has a laundry with built-ins and half bathroom for guests. Upstairs you will find two very well appointed guest bedrooms and a shared jack and jill bathroom. There is a very large bonus room on the second level that could also serve as a 4th bedroom or office. There is also a children's playroom on the second level of the home and walk-out attic storage space. The rear of the home has wonderful patio and picket fenced backyard. Reunion Neighborhood is like a scene from a Norman Rockwell Painting with sidewalks, community pool, basketball court, playground, park area, pond and so much more. Conveniently located only minutes to shopping, schools and tons of restaurants. Call today to schedule your own private viewing of this amazing home!

1078 Restoration Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$285,000

2 Beds ⋅ 2 Baths ⋅ 1543118 MLS

This is the kind of home Chattanooga buyers have been waiting for. Great price. Great location. Great community. And the rare convenience of having everything on one level. The Flats at Mill Town is quickly becoming one of Chattanooga's most exciting new communities, and the demand is real. Homes are selling fast, and this is the LAST two-bedroom available at this price. If you've been looking for a home that feels fresh, modern, effortless, and connected to the way you actually want to live, stop scrolling. This one deserves to be seen. Welcome to a beautifully designed two-bedroom home at The Flats at Mill Town, where thoughtful architecture, incredible outdoor living, and an exciting new community come together. From the moment you walk through the door, the difference is obvious. Soaring ceilings over 10 feet and an abundance of windows flood the home with natural light, creating a bright, open atmosphere that feels spacious, comfortable, and anything but ordinary. The main living area is exactly what today's buyers are looking for. The kitchen, dining, and living spaces flow together seamlessly, creating the perfect setting for everything from quiet mornings at home to dinner with friends. There are no stairs, no awkward transitions, and no wasted space--just a smart, single-level floor plan that works beautifully. And the finishes are already here. Quartz countertops. LVP flooring throughout. Elevated fixtures and finishes. Refrigerator included. No need to spend thousands more upgrading the basics just to get the home you want. This one is finished, polished, and ready to enjoy. Both bedrooms are generously sized and flexible enough to fit the way you live, whether you need a comfortable guest room, home office, or simply want more breathing room. The primary suite adds another special touch with its own private covered balcony--a perfect place for coffee in the morning, a little fresh air in the evening, or five quiet minutes to yourself.

1776 S Watkins Street 503, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$515,000

4 Beds ⋅ 3 Baths ⋅ 1543109 MLS

River Rock Cove Living starts here! Picture breakfast at the island, evenings on the covered patio and weekends at the neighborhood pool, all from a home that's just four years new, freshly painted and completely move-in ready. And with the primary suite AND a second bedroom on the main level, 4144 Zephyr Ln is the floor plan buyers wait for. Step into the two-story foyer and the home opens up in front of you. The kitchen's oversized island is made for morning coffee, casual meals and conversation while dinner comes together, and the walk-in pantry keeps everything organized and out of sight. The kitchen flows into a light-filled dining area and a spacious living room anchored by a corner fireplace, so everyone stays connected on a quiet night in or a house full of friends. The main-level primary suite is tucked at the back of the home for privacy. It offers a double vanity, separate shower, private water closet and a generous walk-in closet. A second main-level bedroom sits at the front of the home beside a full bath, perfect for guests, a home office or anyone who prefers to skip the stairs. The laundry room is on the main level as well, right where you need it. Upstairs, two more bedrooms (one with its own walk-in closet) share a full bath with a separate vanity area that keeps busy mornings running smoothly. A cozy bonus nook is ready to become a reading corner, study spot or favorite hangout, and walk-out attic storage keeps holiday décor and seasonal items within easy reach. Step outside to the covered patio, a true extension of your living space for slow mornings, grilling out and unwinding at the end of the day. A two-car garage, sidewalks for evening strolls and a community pool for summer afternoons complete the picture. Four bedrooms, three full baths and a lifestyle to look forward to. This is River Rock Cove Living. Come see it before someone else calls it home!

4144 Zephyr Lane 48, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$439,900

4 Beds ⋅ 3 Baths ⋅ 1543106 MLS

The layout buyers keep asking for--everything you need on one level, plus a flexible fourth bedroom upstairs for whatever comes next. Located in Molly's Meadow, a quiet, welcoming sidewalk community, this thoughtfully updated home puts the primary suite, two secondary bedrooms and laundry all on the main level. A welcoming foyer opens to a separate dining room, while the living area flows naturally into the kitchen and breakfast nook--an easy, open layout for everyday living and entertaining alike. The primary suite has been reimagined with a new wraparound closet organization system, making everyday living easier. Upstairs, the fourth bedroom/bonus room is outfitted with a new mini-split for year-round comfort, offering flexible space for guests, a home office, playroom or media room. Outside, the level, fenced backyard and deck back up to a wooded 5-acre property with a pond, giving the home a private, secluded feel--perfect for morning coffee, weekend grilling or a quiet evening outdoors. A two-car attached garage completes the package. A new roof offers added peace of mind, and the front elevation is HARD COAT STUCCO--not EIFS--professionally inspected, with the report on file and the stucco freshly painted. Fresh interior paint, an updated kitchen and baths, new landscaping and refreshed exterior finishes round out the home's polished, move-in-ready feel; a complete improvement list is available to agents. Just minutes from East Brainerd shopping and dining, Walmart Market, Erlanger East Hospital and I-75, this location keeps Hamilton Place, downtown Chattanooga and North Georgia comfortably within reach--whether you're commuting, on call or simply heading out for dinner.

8452 Lady Slipper Road, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

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