The load�deformation relationship under the footing is essential for foundation design. Shallow foundations are subjected to changes in hydrological conditions such as rainfall and drought, affecting their saturation level and conditions. The actual load�settlement response for design and reconstructions is determined experimentally, numerically, or utilizing both approaches. Ssettlement computation is performed through large-scale physical modeling or extensive laboratory testing. It is expensive, labor intensive, and time consuming. This study is carried out to determine the effect of different saturation degrees and loading conditions on settlement shallow foundations using numerical modeling in Plaxis 2D, Bentley Systems, Exton, Pennsylvania, US. Plastic was used for dry soil calculation, while fully coupled flow deformation was used for partially saturated soil. Pore pressure and deformation changes were computed in fully coupled deformation. The Mohr�Columb model was used in the simulation, and model parameters were calculated from experimental results. The study results show that the degree of saturation is more critical to soil settlement than loading conditions. When a 200 KPa load was applied at the center of the footing, settlement was recored as 28.81 mm, which was less than 42.96 mm in the case of the full-depth shale layer; therefore, settlement was reduced by 30 in the underlying limestone rock layer. Regarding settlement under various degrees of saturation (DOS), settlment is increased by an increased degree of saturation, which increases pore pressure and decreases the shear strength of the soil. Settlement was observed as 0.69 mm at 0 saturation, 1.93 mm at 40 saturation, 2.21 mm at 50 saturation, 2.77 mm at 70 saturation, and 2.84 mm at 90 saturation of soil. © 2022 by the authors. Licensee MDPI, Basel, Switzerland.