Chattanooga Homes with USDA Loan Terms

Welcome to Chattanooga, Tennessee—a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its breathtaking natural beauty, Chattanooga boasts a rich history and a thriving cultural scene. With the Tennessee River winding through the heart of the city, residents enjoy a plethora of outdoor activities, from hiking the trails of Lookout Mountain to kayaking on the river. The city is also home to a burgeoning arts community, delicious dining options, and a variety of annual festivals that celebrate its unique heritage.

Chattanooga is not just a place to visit; it's a wonderful place to call home. The real estate market here offers a diverse array of housing options, including charming historic homes, modern condos, and spacious family residences. For those looking to settle down in this picturesque city, homes that qualify for USDA loan terms are an excellent opportunity. These loans are designed to help low-to-moderate-income families achieve their dream of homeownership, especially in rural and suburban areas. With zero down payment and competitive interest rates, USDA loans make purchasing a home in Chattanooga not only feasible but also affordable.

Imagine living in a community where friendly neighbors greet you, local parks invite outdoor adventures, and the stunning backdrop of mountains and rivers provides a peaceful retreat. Whether you're a first-time homebuyer or looking to relocate, Chattanooga offers a welcoming environment and ample opportunities to thrive. Discover your perfect home in this enchanting city, where the charm of Southern living meets the convenience of modern amenities. Embrace the Chattanooga lifestyle today!

Newest Chattanooga Homes with USDA Loan Terms

$489,000

3 Beds ⋅ 2 Baths ⋅ 1544049 MLS

*INVESTMENT OPPORTUNITY* Package includes TWO townhomes (3106 & 3108 Donna LN) and TWO adjacent lots for $589,900, offering an excellent opportunity for an investor, contractor, builder, or owner-occupant looking to acquire multiple properties together. Townhome at 3108 Donna LN is offered individually at $248k and 3106 Donna LN is offered individually at $258k. Both townhomes and the two lots are available together as a package for $589,900. Buyer to verify all information, zoning, permitted uses, dimensions, and development potential. Welcome to this newly constructed, corner lot 2026 townhouse in Chattanooga's scenic Missionary Ridge area! Offering approximately 1,760 square feet of spacious, thoughtfully designed living space, this home combines modern style, comfort, and convenience just minutes from downtown Chattanooga. The open-concept floor plan creates an inviting flow between the living, dining, and kitchen areas. The kitchen features a large island with beautiful granite countertops, stylish fixtures, and plenty of space for entertaining. Granite vanities add a polished touch to the bathrooms, while a built-in electric fireplace creates a warm and inviting focal point in the living area. The home also features a heated seat bidet toilet and smart doors for added touches of modern convenience. Enjoy outdoor living from both the covered front porch and covered deck. Private driveway parking provides convenient off-street parking. With its contemporary finishes, spacious layout, and convenient location less than 15 minutes from downtown Chattanooga, this beautiful new townhouse offers an ideal combination of modern living and easy access to all the city has to offer.

3106-3108 Donna Lane, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$283,500

3 Beds ⋅ 2 Baths ⋅ 1544047 MLS

Welcome to 2412 Wilhoit Street in Chattanooga. This 3-bedroom, 2-bath home offers around 1,260 square feet of modern living with custom finishes, including shaker cabinets, quartz countertops, tray ceilings, a custom-tiled shower, and a warm fireplace as the living room centerpiece. The large deck overlooks a spacious fenced backyard, great for entertaining or quiet evenings. The location is hard to beat--about 10 minutes from downtown, 18 from Hamilton Place Mall, and roughly 7 minutes to the I-75/I-24 split. Buyer incentive: Qualified buyers may receive up to 30,000 toward closing costs when approved with the seller's preferred lender, subject to program terms and conditions. Modern style, great location, and an exceptional incentive-- This home has everything your heart desires at a great price. Schedule your showing today. 2412 Wilhoit is ready to welcome you.

2412 Wilhoit Street, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$432,135

4 Beds ⋅ 3 Baths ⋅ 1543819 MLS

Explore the Belhaven floorplan at Lillie Acres in Chattanooga, TN. This home includes thoughtful designs for modern living. This two-story home offers 1,991 square feet with 4 bedrooms and 2.5 bathrooms, combining style, flexibility, and everyday comfort. The open-concept main level features an expansive great room that flows into a modern kitchen, perfect for entertaining and gatherings. A large island with countertop seating and a spacious pantry make meal prep and storage simple, while abundant windows and patio doors fill the space with natural light. A flex room off the foyer provides versatility, ideal for a home office or formal dining area, and a centrally located powder room adds functionality. Upstairs, the primary suite includes a generous walk-in closet and private bath. Three additional bedrooms share the other full bathroom, and an upstairs laundry area adds everyday convenience. D.R. Horton is an Equal Housing Opportunity Builder. Home and community information, including pricing, included features, terms, availability and amenities, are subject to change and prior sale at any time without notice or obligation. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Images may contain virtual staging.

8294 Seaside Drive, Chattanooga

Listing courtesy of DHI Inc.

$389,900

4 Beds ⋅ 2 Baths ⋅ 1543740 MLS

Welcome to Lookout Valley- one of Chattanooga's up-and-coming areas, where a peaceful, country-like setting meets the convenience of being just minutes from downtown! Situated at the base of Elder Mountain, this beautifully remodeled ranch offers the best of both worlds with a spacious yard, mountain surroundings, and easy access to all that Chattanooga has to offer. Remodeled in 2023, this 4-bedroom, 2-bath home has been thoughtfully updated and continues to show beautifully. Updates include LVP flooring throughout, new siding and windows, updated lighting, remodeled bathrooms, and a stylish kitchen featuring updated cabinetry, granite countertops, backsplash, and appliances. The roof and HVAC were replaced in 2020, providing additional peace of mind. The spacious layout offers plenty of room for everyday living, with four bedrooms and two full baths. Step outside to the large backyard and deck, where there's plenty of space for children, pets, gardening, entertaining, or simply enjoying the peaceful setting. If you're looking for a home that gives you that country feel without giving up the convenience of the city, this one is worth a look. Just minutes from downtown Chattanooga and nestled at the base of Lookout Mountain, 412 Isbill Rd offers space, updates, and a location that continues to grow in popularity. Check out the virtual tour!

412 Isbill Road, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$461,400

4 Beds ⋅ 4 Baths ⋅ 1543616 MLS

PRE-CONSTRUCTION | PRE-RELEASE PRICING | ONLY A FEW AVAILABLE AT THIS PRICE! Be among the first to own at East Main Townhomes, Lennar's newest Chattanooga community! These homes are offered pre-construction at special pre-release pricing, and only a limited number of buyers will be able to take advantage. Once these are reserved, this pricing is gone. EVERYTHING'S INCLUDED®! Lennar's signature program means the features you'd expect to pay extra for elsewhere are already built in, including [quartz countertops, stainless steel appliances, luxury vinyl plank flooring, smart home technology, etc.]. It's a brand-new home with the finishes and features already chosen for you. See it for yourself! A decorated model can be viewed at Borough 33, so you can walk through the same home style and imagine your life here. Buying pre-construction lets you secure your home before it's built and get in ahead of the crowd. Don't wait, because this pricing won't last!

1057 E Main Street 35, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$449,900

4 Beds ⋅ 4 Baths ⋅ 1543615 MLS

1053 E Main Street 34, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$349,900

3 Beds ⋅ 3 Baths ⋅ 1543599 MLS

Seller incentives available to help reduce your monthly payment! The seller is motivated and willing to help make homeownership more affordable with potential closing cost assistance. Plus, our preferred lender is offering exclusive financing incentives, including a 1-year rate buydown for qualified buyers. Built in 2019, this move-in-ready home offers the perfect combination of modern finishes, functional living space, and low-maintenance living. The open-concept main floor creates an inviting space for gathering with family and friends, while the convenient main-level laundry room adds everyday practicality. Recently installed cabinetry in the laundry room provides additional storage and organization, making the space even more functional. With 1,590 square feet, this home features three bedrooms, two-and-a-half bathrooms, and a thoughtfully designed layout that keeps all bedrooms upstairs for added privacy. Fresh interior paint and bright, neutral finishes create a light and welcoming atmosphere, making it easy to move right in and make the space your own. Outside, you'll find a private patio area and manageable yard, giving you just enough outdoor space to enjoy without spending your weekends on maintenance. Perry Village offers a true neighborhood feel with amenities residents love, including a community pool and gated dog park. Tucked away on two quiet streets, the neighborhood provides a peaceful setting while remaining incredibly convenient. Located just off I-75, you'll enjoy easy access to downtown Chattanooga, Hamilton Place, shopping, dining, and major employers throughout the area. Whether you're a first-time buyer, downsizing, or looking for a newer home with community amenities and a convenient location, this property checks all the boxes. Don't wait and get into this home before the holidays!

5394 Reneau Way, Chattanooga

Listing courtesy of The Agency Chattanooga.

$324,900

3 Beds ⋅ 2 Baths ⋅ 1543564 MLS

Built in 1940. Living in 2026. This 3-bedroom, 2-bath home has been redone with a fresh look across 1,680 square feet. New flooring, paint, and appliances give the inside its shine. New roof, HVAC, water heater, and windows? Those big-ticket updates are done, too. It has that brand-new-house feeling without the new-construction price tag or the cookie-cutter feel. Bring your furniture--this one is completely turnkey. This was no quick flip. The owner meticulously chose the details for himself, then work called him out of state before he could enjoy the fruits of his labor. Now someone else gets to. The bonus room can be your home office, game room, movie room, or whatever your life needs next. Outside, the level 0.22-acre lot gives you room to spread out, the detached garage adds space for cars and projects, and the property is wired for a hot tub. No HOA, either. Let's address the road: it's busy. A small fence could add some separation between the yard and the traffic. The upside to this location? You're minutes from downtown Chattanooga, Hamilton Place, and nature parks. It's truly central, whether your plans call for dinner in the city, shopping, or getting outside. I show a lot of houses, and this one checks an impressive number of boxes. Come see why 415 Haney Drive stands out.

415 Haney Drive, Chattanooga

Listing courtesy of EXP Realty, LLC.

$389,900

3 Beds ⋅ 3 Baths ⋅ 1543540 MLS

More space, single-level convenience, and brand-new construction in East Brainerd! This new 2,150 sq ft floor plan offers 3 bedrooms, 2 full baths, and a spacious 2-car garage with a layout designed for comfortable everyday living. The open concept living, dining, and kitchen areas create a bright, inviting space that works just as well for entertaining as it does for relaxing at home. The primary suite offers a private retreat with its own bath and generous closet space, while two additional bedrooms provide flexibility for guests, family, or a home office. If you've been looking for new construction with extra room to spread out and fewer stairs to deal with, this one is worth seeing. Schedule your showing and come experience the layout in person.

867 Gardenview Way, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$359,900

3 Beds ⋅ 3 Baths ⋅ 1543538 MLS

New construction in East Brainerd with the space, layout, and 2-car garage buyers are looking for! This new 1,713 sq ft floor plan offers 3 bedrooms, 2.5 baths, and a smart two-story design that makes everyday living feel easy. The open main level creates a natural flow between the kitchen, dining, and living areas, giving you plenty of room to entertain, relax, or gather with family and friends. Upstairs, all three bedrooms are privately located, including a comfortable primary suite with its own bath and generous closet space. With brand-new construction, a functional layout, and a convenient East Brainerd location near shopping, dining, and everyday essentials, this home is ready to stand out. Schedule your showing and come see this new floor plan for yourself.

871 Gardenview Way, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$369,900

3 Beds ⋅ 3 Baths ⋅ 1543537 MLS

Brand-new floor plan with the space and features buyers are looking for! This 1,957 sq ft home offers 3 bedrooms, 2.5 baths, and a spacious 2-car garage with a layout designed for comfortable everyday living. The open main level creates an easy flow between the kitchen, dining, and living areas, making it ideal for entertaining, relaxing, or spending time together. Upstairs, three well-sized bedrooms provide added privacy, including a comfortable primary suite with its own bath and generous closet space. Enjoy the benefits of new construction, a flexible two-story layout, and a convenient East Brainerd location close to shopping, dining, and everyday essentials.

879 Gardenview Way, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$245,000

3 Beds ⋅ 2 Baths ⋅ 1543535 MLS

Welcome to this charming, turn-key 3-bedroom, 2-bathroom home in the Mountain Views at The Villages community! Built in 2006 and offering 1,391 sq ft of single-level living space, this home features a 2023 new roof for ultimate peace of mind. The open-concept layout seamlessly connects the spacious living area to the kitchen, perfect for entertaining. The primary suite provides a private retreat, while two additional bedrooms offer versatility for guests or a home office. To make this deal even sweeter, the sellers are offering a generous $3,000 concession to help buyers with closing costs or a rate buydown! Located just minutes from the Southside, St. Elmo, and Downtown Chattanooga, you will love the easy access to local dining and shopping. BEST and FINAL offers are due OCt 5th! Sellers decision will be made on the 6th.

224 W 36th Street, Chattanooga

Listing courtesy of EXP Realty, LLC.

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