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

$400,000

3 Beds ⋅ 2 Baths ⋅ 1542834 MLS

OPEN HOUSE WEDNESDAY from 4:00-6:00 Be the 1st to see this home on the way home from work ! LOCATION, CHARM & CONVENIENCE! Welcome to 2206 Defue Street, ideally located in the heart of Red Bank with easy access to Downtown Chattanooga, Northshore, shopping, restaurants, parks, and everyday conveniences. From the moment you arrive, the inviting covered front porch sets the tone for this charming home. Step inside to a spacious, light-filled living room featuring a cozy gas fireplace and built-in bookshelves--the perfect place to relax or entertain. The home offers plenty of flexible living space, including a formal dining room plus an additional bonus room that could easily serve as a home office, sitting room, playroom, hobby space, or whatever best fits your lifestyle. The kitchen features stainless steel appliances combining character with modern conveniences. Down the hall are two generously sized bedrooms and a full bathroom. Upstairs, you'll discover a private primary suite along with a conveniently located laundry area. Need extra storage? The partial unfinished basement provides additional space for seasonal items, tools, hobbies, and more. The current owners use it as their gym & riding toys for the children. Outside, enjoy a fenced backyard with plenty of room for pets & kids, entertaining, gardening, or simply relaxing at home. Important updates include a new roof, gutters, and gutter guards installed in 2018, along with a new HVAC & furnace system installed in 2021. With its charming character, flexible floor plan, fenced backyard, valuable updates, and a location that puts you just minutes from the excitement of Downtown Chattanooga, this Red Bank home offers the combination buyers are looking for. Come see 2206 Defue Street and discover just how convenient Chattanooga living can be!

2206 De Fue Street, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$375,000

4 Beds ⋅ 3 Baths ⋅ 1542832 MLS

One-level, brick rancher over a full basement with a 2-bay garage, a detached carport and a fenced back yard on a .49 +/- acre cul-de-sac lot in the heart of East Brainerd close to schools, medical facilities and the shopping and restaurants of the Hamilton Place area. This 4-bedroom, 3-bath home has tons of potential and already has many updates including LVP and tile throughout, vinyl windows, a newer refrigerator and updated baths. Your tour of the home begins with entry from the covered front porch to the foyer that opens to the spacious living room. The living room has access to the formal dining room which in turn has access to the eat-in kitchen. The kitchen has a door to the rear deck with steps to the back yard providing a nice flow for everyday living and indoor to outdoor entertaining. There are 3 bedrooms and 2 baths on the main level including the primary suite which boasts 2 closets and a private bath with a pedestal sink and a tiled shower. The 2 additional main level bedrooms share the use of the hall guest bath which has a furniture style vanity and a shower. Head downstairs where you will find a large family room with 2 closets and a separate door to the back yard, a 4th bedroom, a laundry/full bath combo with another tiled shower, plus the 2 bay garage, also with storage closet. All this, and you are just 20 minutes from downtown Chattanooga, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

2103 King Court Lane, Chattanooga

Listing courtesy of Keller Williams Realty.

$225,000

2 Beds ⋅ 2 Baths ⋅ 1542814 MLS

SUPER convenient and updated condominium for lease located just off E. Brainerd Rd and zoned for E. Hamilton Schools. This condo has been updated with granite counter tops in kitchen and newer appliances. Washer and dryer included in condo. Make an appointment to see this one today!

7520 Eric Drive, Chattanooga

Listing courtesy of Legacy Real Estate & Development/Residential, LLC.

$550,000

4 Beds ⋅ 5 Baths ⋅ 1542809 MLS

Welcome to this beautifully maintained traditional home in the desirable Shadow Ridge subdivision, where timeless charm meets comfortable everyday living. Offering 4 bedrooms, 3 full baths, 2 half baths, and a versatile bonus room, this spacious home has room for everyone. Step inside to find gleaming hardwood floors and an inviting layout designed for both entertaining and everyday life. The formal dining room features elegant chair rail and crown molding, while the living room provides a comfortable gathering space. The family room is warm and welcoming, centered around a brick fireplace and hearth. The heart of the home is the exceptionally spacious kitchen, offering an abundance of cabinetry and counter space, stainless steel appliances, and a large walk-in pantry with built-in shelving--a rare find for those who love to cook and entertain. Upstairs, four generously sized bedrooms, three full bathrooms, and a bonus room provide plenty of flexibility for family, guests, work, or recreation. Step outside to your own private retreat. The in-ground pool, fenced backyard, and beautifully landscaped grounds create the perfect setting for summer gatherings and relaxing afternoons. A convenient pool bathhouse with a bathroom makes outdoor entertaining even easier. Move-in ready and filled with space, character, and thoughtful amenities, this Shadow Ridge home offers the perfect blend of traditional appeal and modern comfort.

503 Gibson Pond Road, Chattanooga

Listing courtesy of Keller Williams Realty.

$320,000

1 Beds ⋅ 1 Baths ⋅ 1542794 MLS

Discover the perfect blend of urban living and historic charm with this loft-style condo located at 1617 Rossville Ave, Unit 2C, in the heart of Chattanooga's thriving Southside district. This unique 1-bedroom, 1-bathroom condo boasts 811 square feet of well designed living space, featuring stunning exposed brick walls that echo the building's industrial past, beautiful hardwood floors, and high ceilings that create an open and airy ambiance. The condo building itself offers convenience and accessibility, featuring both stairs and an elevator. This property is ideal for anyone looking to immerse themselves in Chattanooga's vibrant culture or investors seeking a profitable and low-maintenance addition to their portfolio. It's a perfect opportunity to own a piece of Chattanooga's bustling Southside district, whether as a lucrative investment or a stylish urban home.

1617 Rossville Avenue 2c, Chattanooga

Listing courtesy of REAL Broker.

$375,000

3 Beds ⋅ 3 Baths ⋅ 1542791 MLS

Exceptional Southside Value in the Heart of Downtown Chattanooga! Welcome to 1003 E 11th St, an updated 3-bedroom, 3-full-bath, two-story home offering an outstanding combination of location, space, updates, and value. Located in the heart of Chattanooga's sought-after Southside, this home is just minutes from some of the city's best dining, shopping, entertainment, and attractions, with UTC only a few blocks away. If you've been looking for a home in a prime downtown location without the premium price tag, this is an opportunity you won't want to miss. The main living areas feature beautiful hardwood floors, complemented by updated paint and light fixtures throughout. The spacious two-story layout provides flexibility and separation of living spaces, while three full bathrooms add convenience rarely found at this price point. Additional highlights include a newer roof installed in 2021 and a covered patio added in 2023, providing a great space to relax or entertain. Enjoy outdoor living on the downstairs patio or take advantage of the upstairs outdoor space while taking in views toward Lookout Mountain. Storage is another standout feature, with each bedroom offering two sets of closets, providing plenty of room for clothing, personal belongings, and additional storage. The seller is also offering significant value with the sale. All kitchen appliances, washer, and dryer remain with the home, making the property even more convenient for the next owner. The existing security system and equipment will also remain, representing approximately $2,000 in added value. Located just minutes from downtown Chattanooga, the Southside, UTC, restaurants, shopping, entertainment, and Lookout Mountain, this home offers an exceptional opportunity to own in one of Chattanooga's most desirable areas. Updated. Spacious. Ideally located. Loaded with extras. Priced for value. Don't miss your opportunity to make 1003 E 11th St your next home.

1003 E 11th Street, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$275,000

3 Beds ⋅ 2 Baths ⋅ 1542786 MLS

Welcome to 3806 Kingwood Cir. Built in 2015, one level over a finished basement, right around 1,680 square feet. Upstairs is your everyday living, living room, dining area, kitchen with granite counters, two bedrooms, a full bath. Nothing fancy, just laid out well and easy to actually live in. Downstairs is where you get your extra room. Third bedroom, another full bath, laundry, and a flex space that could be a second living room, a playroom, a home office, whatever you need it to be that week. Having that basement separated out is great if you've got guests coming through, a roommate situation, or you just want some distance from the rest of the house. Outside there's a two-car parking pad, the yard's been cleaned up some, and the backyard's fenced in. Good for kids, dogs, whatever you need it for. There's also a deck off the kitchen, so you'll actually use it for grilling instead of it just sitting there. Location's the other big piece of this. You're close enough to downtown Chattanooga for work and restaurants, but you're also not far from Hamilton Place and Gunbarrel Road, so Target runs, chain restaurants, doctor's appointments, all of that is close too. You get both without living in the middle of the traffic for either one. If you're buying your first house, or you're a family that just wants something practical with a fenced yard and a good location, take a look at 3806 Kingwood Circle.

3806 Kingwood Circle, Chattanooga

Listing courtesy of Keller Williams Realty.

$424,900

3 Beds ⋅ 3 Baths ⋅ 1542781 MLS

Welcome to 8307 Merry Weather Drive, where thoughtful updates, generous living spaces, and a spacious half-acre lot come together in an established East Brainerd setting. Offering 3 bedrooms, 2.5 baths, this well-maintained home has been steadily improved so many of the big-ticket items are already taken care of. Recent updates include a new HVAC in 2025, roof and privacy fence in 2020, and replacement windows, siding and water heater in 2018. Inside, you'll find comfortable living spaces designed for both everyday life and entertaining. The kitchen features granite countertops and newer appliances, while a formal dining room provides plenty of space for gatherings. The inviting living room is anchored by a gas-log fireplace, creating a warm focal point for the home. Step outside to the screened and covered back porch, an ideal spot for morning coffee, evening dinners or simply enjoying the outdoors. Beyond the porch, the fenced backyard offers plenty of room to play, garden or entertain, with the privacy and flexibility that come with approximately half an acre. A two-car garage adds everyday convenience and storage. With its combination of space, outdoor living and significant updates already completed, this is a home where you can settle in and enjoy from day one. Come see for yourself what makes 8307 Merry Weather Drive such a special place to call home.

8307 Merry Weather Drive, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$419,658

3 Beds ⋅ 3 Baths ⋅ 1542777 MLS

The Meridian offers three thoughtfully designed levels that blend comfort, functionality, and modern style. The first floor welcomes you with a spacious foyer and a two-car front-entry garage, prewired for an EV charger and offering ample space for vehicles, bikes, kayaks, or even a home gym. The second floor serves as the heart of the home, featuring an open-concept family room that flows seamlessly into the kitchen. Highlights include a walk-in pantry, generous counter space, and an oversized island ideal for entertaining and everyday living. A private bedroom or home office and a full bath complete this level. On the third floor, the serene primary suite features a walk-in closet and a spa-inspired bath with dual vanities and a walk-in shower. An additional bedroom with its own walk-in closet, a shared full bath, and a conveniently located laundry area provide comfort and convenience for daily living. BelleWether combines urban convenience with natural beauty, offering tree-lined streets, scenic city views, and walkability to downtown Chattanooga and Northshore. Residents enjoy easy access to parks, trails, local boutiques, restaurants, and all the energy of Chattanooga's vibrant riverfront lifestyle. SELLER OFFERING 3.99% YR1 FINANCING ON CONTRACTS WRITTEN IN SEPTEMBER when working with our Preferred Lenders! Ask onsite agent for additional information.

144 Pathfinder Place 46, Chattanooga

Listing courtesy of EAH Brokerage, LP.

$289,000

3 Beds ⋅ 2 Baths ⋅ 1542767 MLS

This one is ready to impress! Beautifully updated 3-bedroom, 1.5-bath home offering an open floor plan, modern finishes, and a long list of recent improvements. Enter into the lovely and bright living & dining area. The NEW kitchen features cabinetry with pantry storage, stainless steel appliances and butcher block countertops. NEW bathroom with tub/shower combonation. Each of the three bedrooms are spacious. The laundry room includes a convenient half bath. NEW HVAC, electrical, and plumbing provide valuable peace of mind. NEW flooring and fresh paint complete the move-in-ready package. Step outside to discover a large, level, fenced backyard with a NEW deck and fire pit--perfect for entertaining, pets, play, gardening, or relaxing outdoors. The large detached workshop offers incredible space for hobbies, projects or storage. Conveniently located near the Concord Golf Course, Hamilton Place Mall and medical facilities, this property delivers the combination of convenience, updated interiors, major mechanical improvements, a fantastic yard, and workshop space. Come see why this one deserves a spot at the top of your list!

1265 N Concord Road, Chattanooga

Listing courtesy of Keller Williams Realty.

$350,000

4 Beds ⋅ 3 Baths ⋅ 1542757 MLS

Welcome home to 3921 Sherlin Dr. This 4-bedroom, 3-bath home offers an impressive combination of character, space, and outdoor living. Inside, you'll find beautifully refinished original hardwood floors, a spacious kitchen with abundant cabinetry and stainless-steel appliances, and a finished lower level providing plenty of flexibility for entertaining, a home office, gym, or additional living space. Out back, the centerpiece is the saltwater, self-chlorinating in-ground pool with a slide, surrounded by a spacious backyard perfect for entertaining, relaxing, or enjoying summer days and fall evenings at home. The enclosed sunroom overlooks the backyard and pool, creating a great extension of the living space. Add in a two-car garage, generous driveway, metal roof, and multiple living areas, and you have a home with plenty to offer inside and out. Schedule your private showing and come see it for yourself!

3921 Sherlin Drive, Chattanooga

Listing courtesy of LPT Realty LLC.

$425,000

3 Beds ⋅ 2 Baths ⋅ 1542742 MLS

**OPEN HOUSE SUN 9/20 2-4** Gorgeous Light-Filled Bungalow with Saltwater Pool & Detached Garage/Shop in Desirable Belvoir! Welcome to this charming, updated bungalow nestled in an established and sought-after Belvoir neighborhood, conveniently located just minutes from Downtown Chattanooga. Offering one-level living, a flat lot, abundant natural light, and beautiful hardwood floors throughout, this home combines timeless character with thoughtful modern updates. Step outside and enjoy your own private retreat with a saltwater pool, complete with patio furniture included. The pool features a new pump (2025) and saltwater conversion (2023) and a new liner (2023) . The home has also been extensively updated with a new architectural shingle roof and gutters (2021), new double hung windows from Southern windows with lifetime guarantee (2023), fresh exterior paint (2026), and updated plumbing throughout. Additional features include mini-splits, on-demand hot water, and 220-volt wiring ready for a hot tub. The large 2.5-car detached garage/shop offers incredible flexibility for a workshop, storage, hobbies, or future expansion. Water and drainage have already been run to the garage, creating exciting potential for a future ADU. An extended driveway provides plenty of additional parking. With its flat yard, private pool, spacious garage/shop, thoughtful updates, and convenient location, this delightful bungalow offers a rare combination of character, functionality, and lifestyle in one of Chattanooga's desirable areas.

211 Brookfield Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.