Swartz Creek Homes with USDA Loan Financial terms

Welcome to Swartz Creek, Michigan – a charming city nestled in the heart of Genesee County, where small-town warmth meets modern conveniences. Known for its vibrant community spirit and picturesque landscapes, Swartz Creek offers residents a perfect blend of tranquility and accessibility. With its rich history, lush parks, and a variety of local shops and eateries, this city is an ideal place for families, young professionals, and retirees alike.

Swartz Creek boasts a strong sense of community, highlighted by its annual events and local festivals that bring neighbors together. With excellent schools and a variety of recreational opportunities, including the scenic Swartz Creek Trail and nearby parks, it’s no wonder families choose to call this city home. The welcoming atmosphere and friendly residents make it easy to settle in and find your place in this delightful community.

For those considering making Swartz Creek their home, there are fantastic financing options available, including USDA loans. These loans are designed to help low-to-moderate income households achieve their dream of homeownership in eligible rural areas, including parts of Swartz Creek. With no down payment required and competitive interest rates, USDA loans offer an accessible pathway to owning a home in this beautiful city.

Explore the housing market in Swartz Creek today, where you’ll find a range of charming homes perfect for every lifestyle. Whether you're looking for a cozy starter home or a spacious family residence, Swartz Creek is ready to welcome you home. Embrace the opportunity to live in a community that truly feels like family, all while enjoying the benefits of USDA financing to make your dream a reality.

Newest Swartz Creek Homes with USDA Loan Financial terms

$427,500

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 50214825 MLS

Built in 2025, this stunning ranch home in Lake Fenton school district offers the perfect blend of modern design, functional living space, and a peaceful country setting, all while being conveniently located between Linden, Fenton, and Swartz Creek with quick access to I-75 and US-23. Step inside to an inviting open-concept floor plan designed for everyday living and effortless entertaining. The main level features 3 bedrooms and 2 full bathrooms, including a spacious primary suite complete with a walk-in closet, soaking tub, and tiled walk-in shower. Enjoy morning coffee or evening BBQs on the rear deck, where you'll love taking in the views of your private 1-acre lot and the surrounding wildlife. The lower level has 9ft ceilings and offers incredible flexibility with two finished rooms featuring daylight egress windows, making them ideal for additional bedrooms, guest space, a home office, or hobby rooms. A full bathroom is already finished, while the remaining partially unfinished basement provides abundant storage or the opportunity to create even more living space to suit your needs. If you've been looking for the convenience of a central location with the tranquility of country living, this move-in-ready home checks every box. There is an additional 1 acre lot directly to the south of home that is available for an additional price, this gives a new homeowner 2 full acres.

10078 Sharp Road, Swartz Creek

Listing Courtesy of REMAX Right Choice, Office Phone: 810-686-8667

$259,990

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 70541002 MLS

Welcome to 3371 Van Vleet Rd in Swartz Creek! This well-maintained home offers the perfect blend of charm, comfort, and valuable updates throughout. Recent improvements include a new roof on both the house and garage, freshly painted exterior, new garage door, and enclosed front porch posts that enhance the home's curb appeal. Inside, you'll find fresh paint throughout nearly the entire home, creating a bright and inviting atmosphere. Several rooms feature new windows, allowing for improved energy efficiency and natural light. A new doorwall adds functionality and easy access to outdoor living spaces. The detached garage offers more than just storage, featuring a dedicated office space--perfect for working from home, hobbies, or a private retreat. Whether you're looking for move-in-ready convenience or a property with thoughtful upgrades already completed, this home delivers exceptional value. Don't miss your opportunity to own this updated Swartz Creek property with room to grow.

3371 Van Vleet Road, Swartz Creek

Listing Courtesy of eXp Realty, LLC, Office Phone: 888-501-7085

$339,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50211369 MLS

*JUST REDUCED $10,000!!* Beautiful open concept Swartz Creek ranch is now ready for immediate occupancy! This lovely home features a fantastic, big kitchen with tons of cabinets and lots of counterspace! All appliances included! Huge firelit living room with BRAND NEW carpet and open to spacious dining area. Slider off dining room overlooking very large deck with gorgeous view of the backyard! This split plan ranch has a spacious primary suite with attached full bathroom with soaking tub and separate shower plus incredible walk-in closet! 2 more very large bedrooms at opposite end of the home with another full bath! Main floor laundry, washer and dryer included! Enormous wide-open basement ready for your ideas! 2 car attached garage! Large shed in backyard for more storage! Come see this wonderful home!

5316 Chin Maya Drive, Swartz Creek

Listing Courtesy of ERA Prime Real Estate Group, Office Phone: 810-214-4011

Start Your Search

Provided through IDX through Realcomp II Ltd. Courtesy of HamadyRobinson, REALTORS®. Copyright 2026 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing and that the data is deemed reliable but not guaranteed accurate by the MLS.