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

$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.

$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.

$315,000

3 Beds ⋅ 2 Baths ⋅ 1542608 MLS

Welcome to 3542 Mountain Creek Road, where comfortable living meets a convenient Chattanooga location. This 3-bedroom, 2-bath home offers 1,364 square feet with inviting spaces designed for both everyday living and entertaining. Step inside to LVT floors and a warm family room centered around a fireplace, the perfect spot to unwind at the end of the day. The separate dining room and breakfast area provide flexibility for everything from casual mornings to dinners with family and friends. One of the home's highlights is the screened porch, offering a relaxing place to enjoy your morning coffee, spend a quiet afternoon, or unwind outdoors while still enjoying the comfort of a covered space. The level lot provides additional room to enjoy outside, while the attached two-car garage adds everyday convenience and storage. With its welcoming character, functional layout, and easy access to Chattanooga's shopping, dining, and amenities, this home is ready for its next chapter. Schedule your showing and come see the possibilities for yourself!

3542 Mountain Creek Road, Chattanooga

Listing courtesy of EXP Realty, LLC.

$369,000

3 Beds ⋅ 2 Baths ⋅ 1542518 MLS

Welcome home to this charming 3-bedroom, 2-bath home nestled in the heart of Hill City! Full of character and inviting details, this home offers a comfortable layout with plenty of personality throughout. Step outside to a cute, welcoming yard with both a covered front porch and covered back porch. The inviting outdoor spaces offer plenty of room to relax, unwind, enjoy the fresh air, or gather with friends and family. Conveniently located in Chattanooga with easy access to downtown, shopping, dining, parks, and all that the city has to offer. Whether you're looking for your first home, your next home, or an investment opportunity, this Hill City charmer is one you'll want to see!

200 Sawyer Street, Chattanooga

Listing courtesy of Keller Williams Realty.

$430,000

4 Beds ⋅ 3 Baths ⋅ 1542198 MLS

Welcome to 233 Peace Street, a beautifully crafted 2 year old home tucked right in the heart of Red Bank. Set on an oversized, private wooded lot, this home offers a rare combination of thoughtful design, modern comfort, and a setting that feels both peaceful and connected to everything nearby. The open, functional floor plan was thoughtfully designed with everyday living in mind, featuring an inviting main level primary suite with a spa inspired bathroom and generous walk in closet. Upstairs, three spacious bedrooms offer abundant natural light along with a beautifully appointed full bathroom with dual vanities, providing plenty of room for family, guests, or a home office. The heart of the home extends outdoors to an expansive back deck overlooking the lush, wooded surroundings. An ideal spot for slow mornings, evening dinners, or entertaining friends. Inside, warm, tasteful finishes and strategically placed windows create a bright, welcoming atmosphere throughout, while thoughtful details at every turn give the home a distinctly custom feel. And when it's time to venture out, you're just minutes from beloved local favorites including Meeting House Coffee Shop, Pizzeria Cortile, Bread & Butter Bakery, Clever Alehouse, and Red Bank's community playground, park, and tennis courts. A special home in a fantastic location, with the space, privacy, and character that are increasingly hard to find.

233 Peace Street, Chattanooga

Listing courtesy of LPT Realty LLC.

$1,499,000

5 Beds ⋅ 4 Baths ⋅ 1542126 MLS

Exceptional Lakeview Luxury Experience an exceptional five-bedroom new construction residence where timeless craftsmanship, elegant finishes, and beautiful lake views create a truly elevated living experience. Thoughtfully designed with impressive scale and detail, this home offers refined interiors, exceptional entertaining spaces, and luxury at every turn. The main level welcomes you with 10-foot ceilings, hardwood flooring, extensive trim work, stone accents, ceiling beams, and a striking wood-burning fireplace. Elegant arched openings throughout the home add another layer of architectural character. At the heart of the residence, the expansive kitchen offers generous cabinetry, abundant workspace, and a walk-in pantry, creating a beautiful setting for everyday living and entertaining. The main-level primary suite is a luxurious retreat. Its spa-inspired bath features a freestanding soaking tub, expansive curbless tiled shower, and beautifully appointed finishes. A huge walk-in closet and oversized laundry room complete the main level. Upstairs, 9-foot ceilings complement four additional bedrooms, a dedicated office, and an impressive game and media room featuring a detailed tray ceiling with wood beams and walk-out access to the upper balcony. Beautiful lake views can be enjoyed from the first floor, covered front porch, walk-out terrace, and upper balcony. Tongue-and-groove ceilings enrich the front porch, expansive rear porch, and upper balcony, while an outdoor kitchen transforms the rear porch into an exceptional entertaining space. Abundant attic storage, a gas tankless water heater, EV charging, and elegant exterior gas lanterns complete the home. A rare opportunity to own an extraordinary new construction residence where luxury, beauty, and an exceptional setting come together.

4519 Sailmaker Circle, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$295,000

3 Beds ⋅ 2 Baths ⋅ 10837915 MLS

: Welcome to 4518 Kings Lake Court in Harrison, TN! This well-maintained 3-bedroom, 2-bath home offers a convenient location just minutes from Highway 153 and beautiful Chickamauga Lake. Inside, you'll find a spacious kitchen with abundant cabinet and counter space, a vaulted living room with a brick fireplace, and a bright sunroom overlooking the fenced backyard. The outdoor space is perfect for entertaining, children, and pets. As an added bonus, the existing deck will be replaced soon, giving the new owner an updated outdoor living space to enjoy. Don't miss your opportunity to make this home yours--schedule your private showing today!

4518 Kings Lake Court, Chattanooga

Listing courtesy of Keller Williams Realty.

$239,000

3 Beds ⋅ 2 Baths ⋅ 1541691 MLS

Brand-new construction just minutes from Downtown Chattanooga! This beautifully designed 3-bedroom, 2-bath single-family home offers approximately 1,150 square feet of comfortable, modern living space. The home features a desirable open-concept layout with stylish finishes throughout, including durable flooring, contemporary fixtures, and a modern color palette. The kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, modern cabinetry, and plenty of workspace. The spacious primary suite includes a private master bathroom, while two additional bedrooms provide flexibility for guests, a home office, or family needs. With its new construction, modern finishes, and convenient location near Downtown Chattanooga, this home offers an excellent opportunity for a first-time buyer, investor, or anyone looking for a low-maintenance home close to dining, shopping, entertainment, and everything Chattanooga has to offer. Home is still under construction. New pictures will be uploaded once it's complete.

912 Arlington Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$239,000

3 Beds ⋅ 2 Baths ⋅ 1541688 MLS

908 Arlington Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$334,900

3 Beds ⋅ 2 Baths ⋅ 1541480 MLS

Looking for something better than a cookie-cutter sub-division home on a postage stamp lot with a $400,000+ price tag? Check out this super clean Lookout Valley starter home on a quiet half acre only 6 ½ miles from downtown Chattanooga. Light, bright and airy, this 3-bed 1.5 bath home seamlessly blends the indoors with the outside with a large deck off the kitchen and a screened-in porch off the master bedroom. Step inside the front porch to the view living room with large picture window, laminate floors throughout and a neutral color scheme. The eat-in kitchen features ample white floor to ceiling cabinets topped with Formica counters. Appliances include a stainless refrigerator with icemaker, electric range, dishwasher & disposal. Upstairs the master bedroom has a walk-in closet & a separate double closet as well as an updated ½ bath. Just off the master bedroom is a door leading to an elevated screened-in outdoor porch suitable for a workout space. The other two bedrooms have double closets, and the hallway bath features a remodeled double vanity, shower tub and large storage closet. There is also a coat closet. Two smart TV's are included, one in the master bedroom & another in a secondary bedroom. From the kitchen, it's just a few steps down to the large garage space with 1 car automatic garage door & tons of storage space. A large safe (bolted to the garage floor) is included in the sale. Another door from the kitchen leads to a scenic fenced-in area perfect for pets or play. Grow your own vegetables in the enclosed garden, and roast hotdogs and marshmallows in the cozy fire-pit area. Great Lookout Valley schools. Location, Location, Location!

710 Ogrady Drive, Chattanooga

Listing courtesy of Coldwell Banker Pryor Realty.

$615,000

4 Beds ⋅ 3 Baths ⋅ 1540896 MLS

Situated on a landscaped lot with natural areas and garden space a beautiful fully remodeled home in Mountain Shadows. Offering 4 bedrooms, 3 baths, sunroom, formal dining room, formal living room, great room, deck for daily enjoyment. Open concept between great room and kitchen designed for both everyday living and memorable gatherings. Grand two-story foyer with a dual staircase design, private master suite with walk-in closets and a beautiful master bath with a double vanity and a large glass-enclosed shower. A main floor guest room and another full bath round out the main floor. The kitchen's defining feature is a nine-foot quartz island complete with an abundance of built in cabinetry. It includes under the counter microwave/confection oven and seating for six. Throughout the house you will find engineered hardwood floors and crown molding. Upstairs are two additional bedrooms with a Jack and Jill full bath, and attic access for extra storage. Downstairs is an unfinished basement with garage door and parking for additional vehicles. The home also has a central vacuum system and underground sprinklers. Mountain Shadows HOA means access to incredible community amenities, including a pool with a diving board, a dedicated pool with a waterfall and seasonal lifeguards, two tennis courts, a playground, basketball hoops, and a clubhouse.

516 Shadow Parkway, Chattanooga

Listing courtesy of List With Freedom.

$399,900

3 Beds ⋅ 3 Baths ⋅ 1539796 MLS

Welcome to 1616 Cotton Way, a nearly new home in Chattanooga's desirable Mill Town community. Built in 2025, this thoughtfully designed home offers approximately 1,794 square feet with three bedrooms, two-and-a-half bathrooms, and a spacious upstairs bonus room that provides flexibility for a home office, media room, or additional living space. The open-concept main level features a well-appointed kitchen with generous cabinet space and a custom pantry designed for additional storage and organization. This home also comes with custom window treatments, adding a refined finishing touch throughout the interior. Upstairs, the spacious bedrooms provide comfortable retreats, including a private primary suite. The two-car, alley-loaded garage has been upgraded with a durable epoxy floor and built-in shelving, creating a clean and functional space for parking, storage, hobbies, or a home workshop. Located directly across from a beautifully landscaped community green space, this home offers a welcoming view and easy access to outdoor space. Enjoy a convenient Chattanooga location near downtown, dining, shopping, entertainment, and the ongoing redevelopment of the historic Coosa Mill. Upcoming community amenities planned for 2027 include a new pool, clubhouse, and pickleball courts, adding even more to the lifestyle Mill Town has to offer. The seller is offering $5,000 toward the buyer's closing costs with an acceptable offer, making this an opportunity you will not want to miss!

1616 Cotton Way, Chattanooga

Listing courtesy of Crye-Leike, REALTORS.

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