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

$319,900

3 Beds ⋅ 3 Baths ⋅ 1543502 MLS

Welcome to Powell Meadows--where Cleveland's friendliest neighborhood meets the very best of modern living. Built in 2024, with builder warranties conveying, 4076 Wendell Road presents a striking two-story brick and gray siding facade with a covered front entry porch--perfect for rocking chairs and morning coffee--and a two-car garage. This move-in ready 3-bedroom, 2.5-bath home spans over 2,000 square feet across two beautifully finished stories in one of Bradley County's most vibrant new communities. Step inside to a wide-open main level where warm LVP flooring stretches seamlessly from the spacious living room into the heart of the home--a well-appointed kitchen featuring white shaker cabinetry, granite countertops, subway tile backsplash, stainless steel appliances, and a breakfast bar for casual dining and effortless entertaining. A dedicated flex space near the entry serves as a home office, formal sitting area, dining room, or welcoming foyer. Upstairs, the expansive master suite is the private retreat you deserve -- a white double vanity with granite countertops leads directly into a spacious walk-in closet, making every morning a pleasure. Two additional carpeted bedrooms are served by a full second bath, with an open loft corridor adding natural flow and flexibility to the upper level. A private rear patio extends your living space outdoors -- ideal for weekend grilling or quiet evenings in a welcoming Tennessee neighborhood. Level lot, curb and gutter streets, and public water and sewer. Mayfield Elementary is 2 miles from your front door. Cleveland Middle and Cleveland High are within easy reach, along with quick access to US-11, I-75, and all the shopping, dining, and conveniences Cleveland, Tennessee has to offer. Schedule your showing today.

4076 Wendell Road Road NE, Cleveland

Listing courtesy of Realty One Group Experts.

$415,000

3 Beds ⋅ 2 Baths ⋅ 1543490 MLS

Privacy, craftsmanship, and enjoyable views define this 2019-built home resting on just under a half acre on a peaceful cul-de-sac in Farmingdale Trails. Inside, an open-concept layout is elevated by rich hardwood flooring, tray ceilings, crown molding, and a gas log fireplace that anchors the main living space with quiet sophistication. The kitchen, finished with granite countertops and abundant cabinetry, sits at the heart of the home and flows naturally into the dining and living areas -- a layout built for both daily living and effortless hosting. A dedicated laundry room and thoughtful storage throughout add further convenience. Retreat to the main-level primary suite, where a spacious walk-in closet and a well-appointed en-suite -- complete with double vanities and a separate shower -- offer a private escape from the everyday. Downstairs, a partially finished walk-out basement with its own mini-split climate control opens the door to a guest suite, media room, or additional living space, ready to be shaped to your needs. The true showstopper, however, lives outside: an enclosed 12x15 sunroom with a circulating fan delivers panoramic mountain and hillside views in comfort no matter the season, while an adjoining deck and covered patio stretch the living space into the surrounding landscape. Practical upgrades round out the offering, including a fully insulated and finished garage with a built-in EV charging station and a rainwater collection system that stays with the property. Move-in ready and thoughtfully upgraded from top to bottom, this is a home where everyday comfort meets an exceptional setting rarely found so close to town. Buyer to verify all information, including square footage, lot size, and schools.

220 Timber Top Crossing SE, Cleveland

Listing courtesy of Keller Williams Realty.

$260,000

4 Beds ⋅ 3 Baths ⋅ 1543456 MLS

Welcome to Lang st! This home has had an extensive remodel/ upgrade recently. The home features brand new windows, a new kitchen with an open concept layout. A brand new roof and deck as well. The Primary Suite includes its own full bathroom and AC Mini Split unit. Downstairs features an entire bedroom as well with a full bathroom attached as well. This home has a lot to offer for a larger family seeking room to grow.

260 Lang Street SE, Cleveland

Listing courtesy of LPT Realty LLC.

$261,900

3 Beds ⋅ 3 Baths ⋅ 1543371 MLS

Ready November 2026 ! And we're down to the final two townhomes ever in Summit View! Experience carefree living in the townhome section of Summit View! The Banneker by Lennar offers a spacious and thoughtfully designed layout with Lennar's signature Everything's Included® package, featuring today's most desired upgrades and features at no extra cost. Enjoy low-maintenance living with large backyard spaces, quiet cul-de-sac streets, and beautiful views throughout the community. Residents of Summit View also enjoy access to the community pool and clubhouse, perfect for relaxing or gathering with neighbors. Conveniently located with easy access to shopping, dining, and everyday conveniences, this townhome combines comfort, style, and value in one exceptional community.

5076 Highwood Drive 48, Cleveland

Listing courtesy of Zach Taylor - Chattanooga.

$399,900

4 Beds ⋅ 4 Baths ⋅ 1543368 MLS

Perched on a bluff with a breathtaking 180° long-range mountain and valley view, this Davidson floor plan at Summit View is truly one of a kind. Currently under construction with delivery slated for the end of November, this home offers the rare opportunity to wake up every morning to sweeping ridgelines and valley vistas that stretch as far as the eye can see, and to end each evening watching the sunset light up the mountains. Inside, the Davidson offers thoughtfully designed living space. The open layout connects the kitchen, dining, and gathering areas, creating a bright, welcoming flow that's perfect for everyday living and entertaining alike. From the moment you arrive, this home and its setting make every day feel like a getaway. Best of all, it's Everything's Included® with Lennar. The features other builders charge extra for come standard here, including designer finishes, quality appliances, and smart home technology, all at no additional cost. No upgrade lists, no surprise add-ons, just a beautifully finished home ready for you to move in and enjoy. Homesites with views like this are rare and won't last long. Schedule your visit to Summit View today and experience this spectacular bluff-top setting for yourself!

4980 Skyline Way NE 85, Cleveland

Listing courtesy of Zach Taylor - Chattanooga.

$265,000

3 Beds ⋅ 1 Baths ⋅ 1543176 MLS

Two Lots .69 acres, Move in Ready, refinished hardwood floors add warmth and character throughout this inviting home. The functional layout features comfortable living spaces that flow naturally from room to room. Outside, the spacious yard offers plenty of usable space for gardening, play, pets, entertaining, or outdoor projects. A large, detached garage with wall heat and air unit, provides valuable room for tools, equipment, hobbies, or additional storage. With its charm, hardwood flooring generous outdoor space, and flexible storage options, this home offers excellent value and opportunity at an attractive price point.

167 Longview Drive SE, Cleveland

Listing courtesy of Keller Williams Realty.

$379,900

4 Beds ⋅ 3 Baths ⋅ 1543256 MLS

Welcome home to this beautifully built 2021 craftsman-style home in the Eastview Cove subdivision, offering 4 bedrooms, 3 full baths, and plenty of room to spread out, all without city taxes. A covered front porch, brick accents, and neatly landscaped beds give this home great curb appeal from the moment you pull into the driveway. The open-concept main level features high ceilings in the living room, a striking floor-to-ceiling shiplap fireplace with gas logs, and durable LVP flooring that stands up to everyday life. The kitchen shines with white shaker cabinetry, granite countertops, a tile backsplash, a center island, and a full stainless appliance package including refrigerator, range, microwave, and dishwasher. The primary suite is conveniently located on the main level for easy one-level living, with a private bath featuring a glass-enclosed, ADA-compliant shower. Upstairs you'll find a large carpeted bedroom, a full bath, and a spacious bonus room, perfect for a media room, playroom, home office, or guest space. It's a flexible layout that works for guests or anyone working from home. Step out back through the thermal storm door onto the freshly stained deck overlooking a large lot with a fenced backyard and privacy fencing, ideal for pets, play, gardening, and entertaining. The two-car garage includes an insulated garage door, shelving that conveys with the home, and a wrapped water heater for added efficiency. Additional highlights include public sewer, cable and internet availability, and an active termite contract for peace of mind. Close to shopping and restaurants, and just minutes from the Ocoee River, Parksville Lake, and the Appalachian foothills, this home offers the best of both worlds: everyday convenience with outdoor adventure right around the corner. Whether you enjoy whitewater rafting, hiking, fishing, or a quiet evening on the deck, this move-in-ready home is ready for you. Schedule your showing today!

218 Eastview Cove Drive SE, Cleveland

Listing courtesy of RE/MAX Experience.

$250,000

3 Beds ⋅ 2 Baths ⋅ 10848442 MLS

Charming 3 bed 2 bath country home on 1.12 acres. You enter into the large living room w/a cozy wood burning stove under a long mantle. Spacious kitchen w/breakfast bar, island w/bar seating, 2 ovens, built in microwave, dishwasher & fridge. Bright sunroom right of the kitchen with natural light form the six windows. Master bedroom includes master bath w/laundry room and sink basin. Spacious second bedroom w/two closets and small third bedroom has an attached bonus room with separate entrance. Large storage building added in 2017, two fenced areas, rock fire pit, carport next to gate entrance leading to entrance into the kitchen. Home was remodeled in 2004-2005 by previous owner, new septic 1998. Great location between Cleveland, Cornelia, Clarkesville and Helen. Home is being "sold as is".

75 Fairhaven Lane, Cleveland

Listing courtesy of Anchor Real Estate Advisors.

$275,000

3 Beds ⋅ 2 Baths ⋅ 1542962 MLS

Ready for a home that's actually move-in ready? This updated 3-bed, 1.5-bath delivers on that promise with a floor plan that actually makes sense. All bedrooms on the main level, functional kitchen with eat-in space, and comfortable living areas that flow naturally from everyday living straight into entertaining mode. Step outside and you've got a deck waiting for your morning coffee, your outdoor dinner parties, or just some peace and quiet with the family. The front yard overlooks the quiet dead-end street while your back yard is backed up against woods, giving you that perfect balance of connection and privacy. A shed out back gives you extra storage and workspace, or a She-Shed if that's your vibe. Inside the house, there's more to explore. The fully finished basement opens up options for a bonus room, craft space, workout area, man cave, whatever your household needs. Location is everything. You're minutes from I-75 for that easy commute, but tucked into a solid Southeast Bradley County neighborhood at the end of a quiet street. Grocery stores, restaurants, doctors, pharmacies, shopping. It's all close by without sacrificing that residential feel. If you've been hunting for a real contender in Cleveland with interstate access, outdoor space, and a location that makes daily life easier, this one deserves a look. Schedule your showing today and see what 2640 Greenhills Cove is all about.

2640 Greenhills Cove SE, Cleveland

Listing courtesy of EXP Realty, LLC.

$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.

$244,900

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.

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