Montana Mortgage Guides 2026
This complete Montana mortgage guide covers 2026 FHA loan limits across all 56 counties, the $832,750 conforming limit, Montana Board of Housing loans and down payment assistance, USDA income limits, VA guidance including Malmstrom Air Force Base, and a closing cost breakdown for a state with no real estate transfer tax — in one place.
Everything You Need for a Montana Home Purchase
Six in-depth guides covering every stage of buying a home in Montana — from choosing a loan program to knowing exactly what you will pay at the closing table.
Montana Mortgage Guide
FHA limits for all 56 Montana counties, the $832,750 conforming limit, a loan program comparison, Montana property taxes, statewide recording fees, and how the state’s regions shape your financing.
Read guide →Montana First-Time Home Buyer Guide
The Montana Board of Housing’s Regular Bond Program, its two down payment assistance loans of up to $15,000, county income and purchase price limits, and who qualifies.
Read guide →Montana FHA Loan Requirements
2026 FHA limits for all 56 Montana counties, including the higher Billings, Bozeman, Kalispell and Missoula limits, HUD’s credit and minimum investment rules, FHA mortgage insurance, and FHA with the Montana Board of Housing.
Read guide →Montana VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, Malmstrom Air Force Base, and the Montana Veterans’ Home Loan Program.
Read guide →Montana USDA Loans
FY2026 USDA income limits for every Montana county and metro area, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →Montana Closing Costs Guide
Why Montana has no real estate transfer tax, the statewide recording fees, the realty transfer certificate, how title insurance rates are filed, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key Montana Mortgage Guide Facts
FHA Loan Limits (2026)
- 47 of 56 counties: $541,287
- Billings metro: $754,400
- Gallatin (Bozeman): $718,750
- Conforming limit, all counties: $832,750
- HUD FHA mortgage limits lookup
Montana Board of Housing
- Regular Bond Program: 30-year loan for first-time buyers
- Down payment assistance: up to 5% of the price, max $15,000
- Income limit, most counties: $103,134 (1–2 people)
- Purchase price limit, most counties: $566,354
- Montana Board of Housing home loans
Property Taxes
- Est. effective rate: 0.72%
- Median annual real estate tax bill: $2,693
- Median owner-occupied home value: $375,800
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Real estate transfer tax: $0
- Recording, first page: $20
- Each additional page: $10
- Montana Constitution, Art. VIII, Sec. 17
Buying or Refinancing in Montana?
Montana’s conforming limit is $832,750 in every county, FHA sits at $541,287 in most of the state but runs higher around Billings, Bozeman, Kalispell and Missoula, and the Montana Board of Housing’s income and purchase price limits change by county. Which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at the Montana Board of Housing
- ✓ Check your county’s income and purchase price limits
- ✓ Find out whether your address is eligible for a USDA loan
- ✓ Compare a Montana Board of Housing loan against a straight FHA, VA or USDA loan
Coming soon · No obligation · Educational first
Montana Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Montana is on our expansion list. In the meantime, our Montana guides and the official program links above have everything you need to research your purchase.
Join the Montana Waitlist