View All Germantown MD FHA Loan Homes Listings

3% FHA ASSUMABLE LOAN! Qualified buyers may have the opportunity to assume the seller’s existing FHA loan at an attractive 3% interest rate, potentially providing significant savings compared to current market rates. Buyer must qualify for the loan assumption and obtain approval from the loan servicer. Contact the listing agent for details. Welcome to 19069 Staleybridge Road in Germantown, offering an impressive amount of space with 6 bedrooms and 3 full bathrooms. Inside, you'll find generously sized bedrooms, updated bathrooms, and brand-new carpet that gives the home a fresh, move-in-ready feel. Additional updates include a roof replaced in 2019 and newer vinyl siding. Owned solar panels are another valuable feature, helping contribute to very low monthly utility costs. Outside, the large fenced yard provides plenty of room for outdoor entertaining, recreation, gardening, or simply enjoying the outdoors. With abundant living space, thoughtful updates, and energy-saving features, this Germantown home has so much to offer. Schedule your showing today!

19069 Staleybridge Rd, Germantown

Listing courtesy of Samson Properties. Contact:

$465,000

3 Beds ⋅ 4 Baths

ASSUMABLE FHA LOAN AT 2.875%!!! Secure a historically low interest rate and slash your monthly mortgage payment on this beautifully refreshed, move-in-ready 3-level townhouse backing onto peaceful trees, park views, and a community playground. Enjoy complete peace of mind with a 5-year-old roof, fresh neutral paint throughout, and gorgeous main-level hardwood floors with recessed lighting. The functional kitchen comes complete with a brand-new refrigerator and brand-new range. This versatile layout features three spacious levels, including a mid-level flex space, a top-level private bedroom with its own bath, and a large primary suite boasting a generous walk-in closet and a stunning, newly renovated (2025) luxury ensuite bathroom. Step outside to your private front patio, enjoy ample stress-free street parking, and take advantage of premium HOA amenities like the community pool and scenic trails. You are minutes from Germantown Town Center shopping and dining, with quick access to major highways and the MARC train station for an easy D.C. commute.

19511 Caravan Dr, Germantown

Listing courtesy of Redfin Corp. Contact:

19625 Galway Bay Cir Unit 103, Germantown

$190,000

1 Beds ⋅ 1 Baths

Welcome to this charming 1-bedroom, 1-bathroom ground-floor condo in the heart of Germantown, MD! Step inside to find hardwood floors throughout the main living area and a bright, open floor plan that seamlessly connects the living, dining, and kitchen spaces. The living room features built-in shelving for a touch of character and functionality, complemented by large windows that fill the home with natural light. A sliding glass door leads to your private balcony, the perfect spot to enjoy morning coffee or unwind after a long day. The kitchen offers a convenient breakfast bar, ideal for casual dining or entertaining, while the bedroom boasts fresh new carpet for a cozy retreat. Enjoy the added convenience of an in-unit washer and dryer and reserved parking just outside your door. Nestled within a beautifully maintained community, residents can take advantage of lush landscaped grounds and an array of resort-style amenities — including a recreation facility with billiard room, community pool, fitness center, party room, and playground. Combining comfort, convenience, and community, this inviting condo offers everything you need to enjoy easy, low-maintenance living in a fantastic Germantown location! Please note, this specific phase of the condo association is not FHA approved. It is VA approved. You might qualify for a Conventional Loan with as low as 3% DP, no PMI and no first time buyer requirement. Have your agent or yourself reach out for details.

19625 Galway Bay Cir Unit 103, Germantown

Listing courtesy of Samson Properties. Contact:

Selling Office: Realty Advantage of Maryland LLC.

$305,000

2 Beds ⋅ 2 Baths

Nestled along the serene shores of a picturesque lake, this stunning lakefront condo at 20402 Shore Harbour Dr #2B offers a tranquil retreat with a perfect blend of luxury and natural beauty. Situated in a prime location, this residence provides a unique opportunity to experience waterfront living at its finest. As you step into the condo, you are greeted by a sense of openness and elegance. Large windows allow natural light to flood the living spaces, creating a warm and inviting atmosphere. The layout is thoughtfully designed to maximize the breathtaking lake views from multiple vantage points within the condo. The living area is a spacious haven for relaxation and seamless connection to the outdoors. Imagine enjoying your morning coffee or unwinding after a long day on the private balcony that overlooks the tranquil waters of the lake. This outdoor space becomes an extension of the living area, providing a perfect spot to appreciate the beauty of nature. The kitchen is a culinary masterpiece, Whether you are a gourmet chef or just enjoy the art of cooking, this kitchen is designed to inspire culinary creativity. The bedrooms are generously sized and offer a peaceful retreat with views of the lake. The master suite, in particular, exudes luxury with its en-suite bathroom, walk-in closet, and a private balcony. Wake up to the soothing sounds of nature and the gentle lapping of the lake against the shore. Beyond the impeccable interior, residents of this lakefront condo have access to a range of amenities, perfect for enjoying water activities such as fishing, kayaking, or simply soaking in the scenic surroundings. The complex may also offer communal spaces, such as a pool, enhancing the overall living experience. Located at 20402 Shore Harbour Dr #2B, this lakefront condo not only provides a luxurious living space but also a lifestyle that embraces the tranquility of waterfront living. It's an idyllic retreat where you can escape the hustle and bustle of everyday life while still enjoying the convenience of nearby amenities and attractions. Welcome to your own piece of paradise on the shores of this breathtaking lakefront haven. First-time buyer could utilize the Maryland Mortgage Program (MMP), which would provide a Conventional or FHA 1st trust mortgage in conjunction with up to a $25k DPA loan at 0% interest. Please contact the listing agent or Greg Mullan at George Mason Mortgage for more details.

20402 Shore Harbour Dr Unit 2B, Germantown

Listing courtesy of Fairfax Realty Select. Contact:

Selling Office: Fairfax Realty of Tysons.

$800,000

5 Beds ⋅ 4 Baths

**Seller has an FHA assumable loan** Welcome to 13637 Monarch Vista Drive, fully updated in 2023 Modern Colonial with an open floor plan and a separate studio/workshop—ideal for creative space, a home business, or extra storage. Located in the sought-after neighborhood of Brownstown Estates, this beautiful home sits on a quiet, tree-lined street in an established community with sidewalks on both sides. Thoughtfully upgraded, this spacious 5-bedroom plus bonus room, 3.5-bath home offers over 2,600 square feet of living space and an impressive list of features. Covered front porch into a bright, open foyer with gleaming floors and abundant natural light throughout. The large living room flows seamlessly into the updated Kitchen with quartz counter tops, Stainless steel appliances and Island, making entertaining a breeze. Upstairs, you’ll find four generously sized bedrooms, each with ample closet space. The primary suite features a walk-in closet, updated primary bathroom with soaking tub, separate shower and large vanity. The fully finished lower level offers incredible flexibility—whether you’re hosting guests, entertaining, or creating a private suite. It includes a fifth bedroom, office, full bath,Kitchenette, and a spacious recreation room. The walk-out basement leads to a large, flat backyard—perfect for gatherings or quiet relaxation. Additional highlights include a 2-car garage, Auxiliary Studio great for workshop or separate work office, power and split system, natural gas heating, Multiple split system throughout Pre pre-wired EV charging. The roof was replaced in 2018. Entire home was renovated in 2023. Don't miss this amazing home

13637 Monarch Vista Dr, Germantown

Listing courtesy of Stewart Real Estate, LLC. Contact:

Selling Office: Hagan Realty.

20221 Shipley Ter Unit 2-A-102, Germantown

$233,500

2 Beds ⋅ 2 Baths

NEW PRICE ! Possible $10,000.00 Grant saves U MONIES with CONVENTIONAL LOAN purchase ! COME & GET IT ! * Beautiful Home * RENOVATED & READY for YOU ! * Brilliant BAMBOO FLOORS * FRESH NEW PAINT * Ceramics * NEW LIGHTING FIXTURES * GRANITE Eat-in Kitchen Microwave*Fridge w/Icemaker* w/Eat-In Dining-Space, CERAMIC Floors * GRANITE & Rich Wooden Cabinetry * WARMING Fireplace in Light-Filled Living-Room that opens Double FRENCH Doors to ground-level PATIO & ext. closet with STORAGE* ALL- NEW FULL-SIZE Washer & Dryer in UNIT * Quiet Neighborhood, PARKING for 2+CARS * Amenities include TWO POOLS/ Tennis courts/ Foot-Path to BLACK HILLS PARK & LAKES * tot-lots* * BUS close-by * Close to Germantown Centre SHOPS / LIBRARY / Black Rock Arts Theatre / Milestone SHOPS / WEGMANS / RESTAURANTS / Clarksburg Outlets *Germantown MARC Station * Germantown Soccer-Plex * FHA Approved * * WATER INCLUDED in low condo fee ! PETS Allowed too !

20221 Shipley Ter Unit 2-A-102, Germantown

Listing courtesy of Coldwell Banker Realty. Contact:

Selling Office: Evergreen Properties.

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