Cleveland Homes with USDA Loan Terms

Welcome to Cleveland, Ohio – a vibrant city that beautifully blends rich history with modern living. Nestled along the shores of Lake Erie, Cleveland is known for its diverse neighborhoods, cultural institutions, and a thriving arts scene. From the iconic Rock & Roll Hall of Fame to the lush expanses of the Cleveland Metroparks, this city has something for everyone.

Cleveland's housing market is as diverse as its population. Whether you're looking for a charming historic home, a chic downtown loft, or a spacious suburban residence, you’ll find a variety of options that cater to different lifestyles and budgets. One of the most attractive aspects of buying a home in Cleveland is the availability of USDA loan terms. These loans are designed to help low to moderate-income families achieve homeownership in designated rural and suburban areas, making Cleveland an ideal place for those looking to settle down.

With USDA loans, qualified buyers can enjoy benefits such as no down payment and competitive interest rates, making homeownership more accessible than ever. This financial assistance is particularly advantageous in Cleveland's emerging neighborhoods, where you can find beautiful homes at affordable prices.

Beyond the homes, Cleveland offers an array of amenities. Residents can enjoy world-class dining, professional sports, and a strong community spirit. With its welcoming atmosphere and commitment to growth, Cleveland is not just a place to live; it’s a place to thrive. Explore the possibilities of homeownership in this dynamic city, and discover why Cleveland is a great place to call home!

Newest Cleveland Homes with USDA Loan Terms

$279,900

2 Beds ⋅ 3 Baths ⋅ 1542617 MLS

Completely updated and move-in ready townhome located in desirable North Bradley County. This well-maintained property features two spacious en-suite bedrooms, each offering privacy and comfort, along with an additional half bath for guests. The main level showcases engineered hardwood flooring, 9-foot ceilings, and a beautifully designed trey ceiling in the primary bedroom. The kitchen is equipped with granite countertops and stainless steel appliances, perfect for both everyday living and entertaining. Upstairs, you'll find a combination of carpet and tile flooring throughout the bedrooms and bathrooms. Additional highlights include attic storage and a newer fenced-in backyard, ideal for outdoor enjoyment. The home boasts a charming brick and stone exterior with low-maintenance vinyl siding in the rear. Situated in a large, well-kept community, this property offers convenient access to shopping, dining, medical facilities, and more. Plus, it qualifies for 100% financing through a USDA home loan, making it an excellent opportunity for eligible buyers.

250 NE Bellingham Drive, Cleveland

Listing courtesy of RE/MAX R. E. Professionals.

$249,900

3 Beds ⋅ 1 Baths ⋅ 1542423 MLS

This is what you have been hoping to find! Completely updated home with crown molding, hardwood and tile floors throughout, fenced in backyard, nice level lot. This home has been very well maintained and is ready to welcome your family!

408 SE Fairview Drive SE, Cleveland

Listing courtesy of RE/MAX Experience.

$399,900

3 Beds ⋅ 2 Baths ⋅ 1542388 MLS

Offering generous space both inside and out, this all brick home combines 2,054 square feet of comfortable one level living with a full 1,624 square foot unfinished basement. Situated on 1.27 acres, the property features 3 bedrooms, 2 bathrooms, and plenty of room to accommodate everyday living, entertaining, work, hobbies, and storage. Crown molding adds a polished touch throughout the main level, while built in features provide convenient storage and display space. The den offers a warm and inviting gathering space centered around a wood burning fireplace with an insert, creating a cozy atmosphere for relaxing evenings. Additional living and dining areas provide flexibility for entertaining, family meals, or quiet time. All 3 bedrooms are conveniently located on the main level, creating an easy and functional layout for single level living. Two bathrooms serve the home comfortably, with a separate shower enclosure adding extra convenience. The expansive unfinished basement offers endless possibilities for additional living or recreational space. A fireplace insert hookup is already in place, providing the opportunity to create a future recreation room, workshop, fitness area, hobby space, or additional storage. The generous footprint gives you plenty of room to customize the space to suit your needs. Outside, 1.27 acres provide room for gardening, outdoor activities, or future projects. A one car garage and two car carport offer plenty of sheltered parking, with additional space for equipment and tools. With its solid brick construction, spacious main level, expansive basement, and generous acreage, this property offers plenty of room to make it your own. Bring your vision and schedule your private showing today!

3725 Hopewell Drive NW, Cleveland

Listing courtesy of Award Realty.

$350,000

2 Beds ⋅ 1 Baths ⋅ 1542090 MLS

Rare Opportunity -- Build Your Dream Home With a Head Start! Situated on 7.53 beautiful acres just minutes from Cleveland shopping and conveniences, 805 Lead Mine Valley Road offers a unique opportunity for buyers looking for land, flexibility and a head start on building their future home. The property currently features a charming 2-bedroom, 1-bath home, but what truly sets this property apart is what has already been completed farther up the hill. The owners had planned to build a new home on the property and began preparing a second homesite, complete with a new driveway, newly dug well and septic system installed for a 3-bedroom home. Their plans changed, creating an opportunity for the next owner to pick up where they left off and create something special. Imagine living comfortably in the existing home while designing and building your dream home on the additional site. Once construction is complete, the original residence could become a guest house, in-law space, home office or potential rental property, offering possibilities that are difficult to find with a typical building lot. The existing home has plenty of character, including a quaint eat-in kitchen, updated bathroom with walk-in shower, and a spacious laundry/mudroom. A carport and additional outbuilding provide useful parking and storage. Outside is where the property really shines. With 7.53 acres of rolling Tennessee countryside, there's room to spread out, enjoy the outdoors and create the lifestyle you've been looking for. Start your mornings on the front porch overlooking the peaceful valley and end the day watching the sun set across the rolling hills. Whether you're looking for acreage close to town, a place to build without starting completely from scratch, or the potential for two residences on one beautiful property, 805 Lead Mine Valley Road deserves a closer look. Bring your plans, build your dream, and enjoy the existing home while you make it happen.

805 Lead Mine Valley Road SW, Cleveland

Listing courtesy of EXP Realty, LLC.

$349,900

3 Beds ⋅ 2 Baths ⋅ 10839421 MLS

Charming 3 bedroom, 2 bathroom home with an upstairs bonus room of approximately 200 square feet, which is in addition to the 1612+/- square feet in public records. It is situated on 1.32+/- acres, which is private and wooded, and has a fenced back yard for your pets and/or children. Along with having the master bedroom and bathroom on the main level, it boasts two large secondary bedrooms with walk-in closets and plenty of extra space in the bonus room upstairs. Located near the towns of Cleveland and Helen, as well as the Chattahoochee River and state and federal parkland. Excellent School District!

550 Washboard Road, Cleveland

Listing courtesy of Alco Realty Inc..

$499,900

4 Beds ⋅ 3 Baths ⋅ 1541900 MLS

Just in time for summer, this luxurious pool home is move in ready and waiting for you! The wonderful features of this home begin at the front porch that has scenic views of the Polk County mountains while welcoming everyone. As friends and family enter, an immediate wow factor is experienced with the oversized living area highlighted by wood floors, plenty of natural light and a floorplan that is ideal for entertaining. The kitchen boasts a spacious dining area, plenty of cabinetry, counter space, all modern appliances, and a pantry. In addition, for those seeking to grill and chill, there is a spacious screened-in porch to enjoy food, fun and relaxation! The outdoor space is a private oasis complete with a fully fenced yard that offers space to play, roast marshmallows around the fire pit, sunbathe on the pool deck, or swim in the 20x40 saltwater pool. The main level boasts access to a two-car attached garage, a laundry room, half bath and extra storage in the hall closet. suite. Additionally, the suite is complete with a walk-in closet, a jetted tub, dual vanity sinks, and a walk-in shower. Upstairs offers two oversized bedrooms, two walk-in closets, a bonus room (that could be used as a bedroom), plus a Jack and Jill bathroom with two separate vanities. The home continues with a private drive to the basement that includes a bonus room that could be a fourth bedroom, plus a workout studio or home office. There is also an unfinished area that is perfect for a workshop, storm shelter, and storage galore! To appreciate every detail in this gorgeous home, call today to schedule an appointment and tour this home.

264 Brook Hollow Drive SE, Cleveland

Listing courtesy of RE/MAX R. E. Professionals.

$409,900

3 Beds ⋅ 2 Baths ⋅ 1541877 MLS

Welcome to Farmingdale Trails and this beautifully maintained single-level home offering 3 bedrooms and 2 bathrooms with an open-concept layout and expansive mountain views. Enjoy peaceful mornings and stunning sunrises from the full-length covered front porch. Inside, hardwood floors highlight the main living areas, complemented by a gas log fireplace and a bright, functional design ideal for entertaining. The kitchen features stainless steel appliances, a wall oven, and a separate pantry for added storage. The split-bedroom floor plan provides privacy, with the primary suite offering a whirlpool tub and a spacious walk-in closet. Two additional bedrooms and a full bath complete the main level. A covered back porch and full unfinished basement provide excellent opportunities for outdoor enjoyment and future expansion. With modern comforts, incredible views, and room to grow, this home offers exceptional value and versatility.

129 Timber Top Crossing SE, Cleveland

Listing courtesy of EXP Realty LLC.

$245,000

3 Beds ⋅ 2 Baths ⋅ 1541738 MLS

Welcome home to peaceful country living! Situated on 2.35 acres, this beautifully updated 3 bedroom, 2 bath home offers a private setting with gorgeous views from the rocking chair front porch. A large half circle driveway provides plenty of parking and easy access, while the spacious lot offers room to enjoy the outdoors, entertain, garden, or simply relax and take in the scenery. Inside you'll find a spacious open layout with numerous updates including, new drywall, paint, flooring, lighting fixtures, insulation, updated bathrooms, and a newer HVAC system. This adorable home won't last long. Schedule a showing today!

196 Rabbit Valley Road NW, Cleveland

Listing courtesy of RE/MAX Experience.

$610,000

4 Beds ⋅ 4 Baths ⋅ 1541696 MLS

Welcome to 113 Birdie Court NW, in an established Cleveland golf community where homes are infrequently offered for sale. This distinctive home combines generous living space, architectural character, and thoughtful updates throughout. As you enter the front door, stunning columns, and a fireplace provide a natural focal point in the open great room, adding warmth and character to the home's dramatic architecture. Large windows bring in abundant natural light, while distinctive crank-style windows, multiple outdoor access points, and a built-in whole sound system add to the features that make this home unique - hardwood flooring, updated lighting, a four-year-old roof, and a newer downstairs HVAC system add to the home's appeal. The kitchen features quality cabinetry and KitchenAid appliances. You'll see the soaring ceilings reaching approximately 16 feet at the peak create an impressive sense of openness. The view from the upper level is a must see! The partially finished basement provides flexible space well suited for recreation, hobbies, or various other needs, there is still additional room to adapt the space to suit the next owner. Outside, enjoy a deck overlooking the sloping rear grounds, mature landscaping, and an irrigation system extending toward the road. The serene natural setting offers a sense of space and privacy while remaining part of an established neighborhood centered around the golf community. Offered at $550,000 with Lot 33. The adjoining Lot 34 is also available with the home under a separate MLS offering. A rare opportunity to own a substantial home with character, space, and flexibility in an established Cleveland golf community.

113 Birdie Court NW, Cleveland

Listing courtesy of RE/MAX Experience.

$575,000

3 Beds ⋅ 2 Baths ⋅ 1541681 MLS

Imagine coming home to nearly 3 peaceful acres, wide-open pasture views, and the privacy and quiet of a rural setting--yet still being close enough to enjoy everything Cleveland and Chattanooga have to offer. This beautifully renovated 3-bedroom, 2-bath home offers 1,972 sq ft of updated living space plus approximately 900 sq ft of unfinished basement space, perfect for storage, a workshop, hobbies, or future expansion. Thoughtfully updated throughout, the home features new kitchen and bathroom countertops, windows, doors, Shaw engineered hardwood flooring, fresh paint, updated lighting, and more. There's room to breathe, space to spread out, and the peaceful feeling that comes with being surrounded by land rather than neighbors close by. The rural setting offers a wonderful sense of privacy and seclusion that many buyers seek, while providing a comfortable environment to enjoy the outdoors, unwind, and create your own Tennessee retreat. Want even more room? Ask about the adjoining lot, which is also available and already has soil mapping completed. It's an exciting opportunity to expand your acreage and create an even larger private homestead or retreat. And this is Tennessee--you can enjoy the peace of the countryside without giving up convenience. Approximately 20 minutes to Cleveland, TN, 35 minutes to Chattanooga Airport, 45 minutes to Downtown Chattanooga, and just under 2 hours to Atlanta. If you're ready for more space, more privacy, beautiful views, and a slower, more peaceful way of life, come see what makes this home so special.

213 Dunn Farm Road SE, Cleveland

Listing courtesy of Horizon Sotheby's International Realty.

$12,500

10834959 MLS

1.44 wooded acres on Valhalla Drive in Peaceful Valley, White County, Georgia North Georgia mountains, 12 minutes from Cleveland, one hour from Atlanta. A creek flows along the rear boundary, and towering mature trees surround the parcel on every side, creating natural privacy that is already in place. There is no flood zone and no wetlands. Electricity is at the road with paved asphalt access in place. Zoned residential for on site homes. Helen, Georgia one of the state's most visited mountain towns is minutes away. Build a custom mountain home, a weekend retreat, or a vacation getaway in one of North Georgia's most sought-after mountain communities one hour from Atlanta. The land is wooded, the creek is yours, and Atlanta is one hour away.

LOT 33 Valhalla Drive, Cleveland

Listing courtesy of Joseph Walter Realty, LLC.

$445,000

3 Beds ⋅ 3 Baths ⋅ 1541545 MLS

Welcome to 144 Bartlett Circle NE, Cleveland, TN 37312, a beautiful 3 bedroom, 2.5 bath home in the desirable Bradford Place neighborhood! With 2,315 square feet of thoughtfully designed living space, this home offers plenty of room to live, work, and entertain. The main level features a welcoming living room with a natural gas brick fireplace, a formal dining room and spacious kitchen with a breakfast nook. The primary suite boasts vaulted ceilings, a large walk in closet, walk-in shower, jetted tub and His and Hers vanities.The home also offers a bonus room, spacious bedrooms, and walk-in closets providing excellent storage. The bonus room provides additional space set up for a 4th bedroom with a walk-in closet,a playroom, or entertainment room. Step outside and you will find one of the home's standout features--a huge fenced-in backyard with a large, two-tiered back deck overlooking the yard. Whether you're entertaining, enjoying morning coffee, or giving the kids and pets room to play, this outdoor space offers endless possibilities. Conveniently located in Bradford Place, this home combines comfortable living, functional spaces, and exceptional outdoor living. Don't miss the opportunity to make 144 Bartlett Circle NE your new home!

144 Bartlett Circle NE, Cleveland

Listing courtesy of Ocoee Realty & Property Management.

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