Chattanooga Homes with USDA Loan Financing available

Chattanooga Homes with USDA Loan Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the scenic foothills of the Appalachian Mountains, known for its rich history, stunning natural beauty, and a thriving community. As the fourth-largest city in Tennessee, Chattanooga boasts a unique blend of urban charm and outdoor adventure, making it an ideal place for families, young professionals, and retirees alike.

The city is renowned for its picturesque landscapes, including the breathtaking views from Lookout Mountain, the sparkling waters of the Tennessee River, and the lush greenery of the surrounding parks. Chattanooga is also home to a vibrant arts scene, with numerous galleries, theaters, and music festivals that celebrate the local culture. The bustling downtown area features an array of restaurants, shops, and attractions, including the famous Tennessee Aquarium and the Creative Discovery Museum, ensuring there’s always something to explore.

For those looking to settle down in this enchanting city, many homes in the Chattanooga area qualify for USDA loan financing. This program is designed to help low to moderate-income families achieve their dream of homeownership by offering zero down payment options and competitive interest rates. With USDA financing available, you can find a charming home in a friendly neighborhood without the burden of a hefty down payment.

Whether you’re drawn to the city’s rich history, outdoor activities, or the community spirit, Chattanooga offers a welcoming environment for everyone. Discover your perfect home in this remarkable city and embrace the lifestyle that awaits you in the heart of Tennessee.

Newest Chattanooga Homes with USDA Loan Financing available

2.3 acres in Chattanooga's Lookout Valley, zoned RN-3 (Residential Neighborhood), with highway frontage on paved, publicly maintained Cummings Highway. This irregular-shaped, wooded lot offers mountain views and is convenient to downtown Chattanooga, Lookout Mountain, and I-24. No existing structures, but utilities, septic, and water currently on site -- buyer to verify utility availability and any development requirements with Hamilton County. Zoned for Lookout Valley Elementary, Middle, and High School. A great opportunity to build in a growing area with easy access to shopping, dining, and the interstate.

4065 Cummings Highway, Chattanooga

3 Beds ⋅ 1 Baths ⋅ 1540852 MLS

Located at 775 Mauldeth Road, this 3-bedroom, 1-bathroom ranch home offers a solid layout ready for your tailored updates and creative design choices. Standout features include a deep, attached two-car garage, ideal for vehicle parking, tool storage, or a home workshop. The main floor features three bedrooms, a living area, and a kitchen under a metal roof. Downstairs, a sprawling, climate-controlled full unfinished basement delivers even more square footage than the main level, adding extensive space for future project expansion or customized storage. Outside, the full acre of fenced-in yard is just as customizable as the interior, offering an expansive canvas ready for your imagination and outdoor projects, complete with a back screened-in porch and deck space for outdoor enjoyment. Situated in the desirable 37415 area, the home is just a stone's throw from Hixson major shopping, dining, and daily amenities, while keeping you within an easy 14-minute commute to downtown Chattanooga. Schedule a tour today!

775 Mauldeth Road, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1540576 MLS

The work has been done and the only thing missing is You. Beautifully renovated with a fresh and modern Feel with plenty of space to Live, gather and enjoy. Fenced Yard.

4802 Ranger Lane, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1539919 MLS

* MOTIVATED SELLER * NEW CONSTRUCTION * SELLER OFFERING FENCING INSTALLED WITH ACCEPTABLE OFFER -- Welcome to 918 Shallowford Rd--where modern comfort meets everyday convenience! This brand-new 4-bedroom, 2-bath ranch-style home offers 1,350 square feet of thoughtfully designed living space with a bright, open-concept layout perfect for both relaxing and entertaining. The seamless flow between the living, dining, and kitchen areas creates an inviting atmosphere with all new stainless-steel appliances and granite countertops, while the bedroom design and layout provides privacy and flexibility for families, guests, or even a home office. Step outside to enjoy the screened-in back porch--ideal for morning coffee or unwinding in the evenings without the bugs. There is also convenient parking in the back as well as the front. Conveniently located in Chattanooga, you'll love being just minutes from shopping, dining, and everyday essentials, making this home as practical as it is beautiful. Don't miss your opportunity to own a low-maintenance, move-in ready new construction in a prime location! **Buyer is responsible to verify any and all information deemed important. **House has been Virtually Staged and some items in pictures do not convey**

918 Shallowford Road, Chattanooga

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

4 Beds ⋅ 3 Baths ⋅ 1539766 MLS

Finding true acreage in the heart of East Brainerd is almost unheard of--and finding it paired with seamless one-level living makes this property an absolute gem! Enjoy the perfect blend of privacy, room to roam, and day-to-day convenience, all just minutes from top-rated schools, shopping, and dining. Step inside to discover soaring 10-foot ceilings, warm solid wood floors, and gorgeous transom windows that flood the space with natural light and timeless character. The inviting living room serves as the heart of the home, featuring recessed lighting and a classic brick gas fireplace. Designed for easy, comfortable living, the single-level layout offers three generous bedrooms, two-and-a-half baths, and a bright bonus room right off the living area--ideal for a fourth bedroom, home office, playroom, or cozy sitting space. The kitchen is a chef's dream, outfitted with rich cherry cabinets, a spacious walk-in pantry, tile flooring, and storage galore. Nearby, the oversized laundry room is a functional power house that easily doubles as a craft or hobby room, complete with a built-in sink, a work table, and a dedicated sewing machine table. Storage is truly endless here, boasting ample closet space throughout, an encapsulated basement, and a massive attic ready for all your seasonal items. Outside, the private grounds continue to impress. Unwind on the charming screened front porch or relax on the covered back porch overlooking your peaceful acreage. The property is fully equipped for hobbies, storage, and projects with an established garden, two storage sheds, and a full barn equipped with electricity. An extended driveway and dedicated parking pad ensure plenty of room for guests, vehicles, or equipment. Rare single-level gems on acreage like this in East Brainerd don't stay on the market long--schedule your private tour today!

1104 Morris Lane, Chattanooga

5 Beds ⋅ 3 Baths ⋅ 1539742 MLS

Investor special with major head start! This 5-bedroom 1920s home is the perfect opportunity for your next flip or rental project. Renovations have already begun, saving you time and money--featuring new electrical, new HVAC, and new drywall already in place. With its classic charm and generous layout, this property is ready for your finishing touches. Endless potential for investors or contractors looking for a project with strong upside. Being sold as-is--bring your vision and turn this property into something special! Has 2 storage sheds in the back as well! Agent has an ownership interest in Owner/Entity. All information deemed reliable but not guaranteed. Buyer/Buyers Agent to verify. The property was purchased via tax sale. Buyer will receive a WARRANTY DEED.

4615 Old Mission Road, Chattanooga

2 Beds ⋅ 2 Baths ⋅ 1539402 MLS

Welcome to 206 Maplewood Avenue, where character and modern updates come together in a convenient Chattanooga location. The home's distinctive log cabin-style interior creates a warm, inviting atmosphere that's hard to find, while major improvements offer added peace of mind, including a new metal roof, HVAC system, and electrical panel, all completed within the last two years. Step outside to enjoy the spacious back deck overlooking a flat backyard, offering plenty of room for entertaining, relaxing, or everyday outdoor living. A generous front driveway and covered carport provide ample parking and convenience. Located less than a mile from Brainerd Golf Course and under 10 minutes from East Ridge and the shopping, dining, and entertainment surrounding Hamilton Place, this home combines unique charm with easy access to everything Chattanooga has to offer.

206 Maplewood Avenue, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539225 MLS

Don't miss this beautifully renovated 4-bedroom, 3-bath home that's been completely remodeled from top to bottom. Every detail has been thoughtfully updated, including a new roof, brand-new granite countertops, new appliances, new luxury vinyl plank flooring, new carpet, fresh paint throughout, and all-new lighting and plumbing fixtures. Step outside to enjoy the spacious new deck overlooking the backyard--perfect for entertaining or relaxing. With modern finishes and generous living space, this move-in-ready home offers the perfect blend of style, comfort, and convenience. For added peace of mind, the sellers are including a one-year home warranty through First American Home Warranty. Schedule your showing today!

4703 Ranger Lane, Chattanooga

4 Beds ⋅ 2 Baths ⋅ 1539213 MLS

Rare opportunity for a single-level duplex in 37415! 2026 HVAC, encapsulated basement, NO carpet & low county taxes. Whether you are expanding your turn key rental portfolio or house-hacking to let a tenant pay your mortgage, single-level duplex delivers immediate income with major mechanical peace of mind. Situated on a spacious 1/4-acre lot, major capital improvements are already completed- including a brand-new HVAC system on the left side (2026), rebuilt air handlers with updated ductwork on both units, and a professionally encapsulated basement featuring a commercial-grade sump pump and dehumidifier. Each single-level unit features low-maintenance carpet-free flooring and comes equipped with a refrigerator (one unit includes a washer & dryer), making it move-in or rent-ready on day one. Functional exterior updates boost curb appeal and usability, featuring a new extended parking pad, fresh sidewalk, privacy fence, updated porch railings, and a large rebuilt deck overlooking the expansive backyard- ideal for entertaining or relaxing. Complete with a massive basement for abundant storage and Hamilton County taxes only (no city taxes), this low-overhead property is located just minutes from Hixson shopping, dining, and North Shore amenities. Move-in ready with infinite investment upside. Schedule your private agent tour today!

6270 Teletha Lane, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539018 MLS

There's something special about 3503 Lockwood Circle! Tucked away in the highly sought after Stuart Heights area, this home offers comfortable living with a backyard that's ready to be enjoyed all summer long. The highlight of the property is the beautiful in-ground pool, creating the perfect space for weekend cookouts, relaxing afternoons, or making memories with family and friends. Whether you're hosting guests or simply unwinding after a long day, this backyard is designed for enjoying life. Inside, you'll find warm, inviting living spaces that feel like home from the moment you walk through the door. Featuring 4 bedrooms and 2.5 bathrooms, which provides a comfortable atmosphere that's perfect for everyday living. This home was renovated just a few short years ago, making it even easier to move right in! Conveniently located just minutes from shopping, restaurants, parks, and downtown Chattanooga, you'll love having everything you need close by while still enjoying the peace of an established, walkable neighborhood. If you've been looking for a home with character, a fantastic outdoor space, and a pool that's ready for summer, 3503 Lockwood Circle is one you won't want to miss. Schedule your private showing today!

3503 Lockwood Circle, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1538874 MLS

Move-in ready home on a secluded lot in desirable East Brainerd! This 3 bedroom, 2 bath home has been updated with all new luxury vinyl tile in the main living area and new carpet in all three bedrooms. It also features fresh paint and new fixtures, countertops and stove. The bonus room off the kitchen could be the perfect home office or gym, or a large pantry with room for additional counter space. Primary bedroom has a large closet and ensuite bathroom. The second bath is accessed through the hall or from Bedroom 3. Storage space is plentiful with an attic and a two-car garage with a closet and overhead storage room. Enjoy complete privacy on your front or back patio! Convenient to all that East Brainerd has to offer!

2250 Morris Hill Road, Chattanooga

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