What are FHA Loan Limits in Montana?

FHA loans are a low down payment mortgage program and Montana FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Montana are set at the floor amount of $275,665 across almost the entire state.

Montana FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BEAVERHEADNON-METRO$275,665$352,950$426,625$530,150
BIG HORNNON-METRO$275,665$352,950$426,625$530,150
BLAINENON-METRO$275,665$352,950$426,625$530,150
BROADWATERNON-METRO$275,665$352,950$426,625$530,150
CARBONBILLINGS, MT$275,665$352,950$426,625$530,150
CARTERNON-METRO$275,665$352,950$426,625$530,150
CASCADEGREAT FALLS, MT$275,665$352,950$426,625$530,150
CHOUTEAUNON-METRO$275,665$352,950$426,625$530,150
CUSTERNON-METRO$275,665$352,950$426,625$530,150
DANIELSNON-METRO$275,665$352,950$426,625$530,150
DAWSONNON-METRO$275,665$352,950$426,625$530,150
DEER LODGENON-METRO$275,665$352,950$426,625$530,150
FALLONNON-METRO$282,900$362,150$437,750$544,050
FERGUSNON-METRO$275,665$352,950$426,625$530,150
FLATHEADKALISPELL, MT$301,300$385,700$466,250$579,400
GALLATINBOZEMAN, MT$356,500$456,350$551,650$685,550
GARFIELDNON-METRO$275,665$352,950$426,625$530,150
GLACIERNON-METRO$275,665$352,950$426,625$530,150
GOLDEN VALLEYBILLINGS, MT$275,665$352,950$426,625$530,150
GRANITENON-METRO$275,665$352,950$426,625$530,150
HILLNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONHELENA, MT$286,350$366,550$443,100$550,650
JUDITH BASINNON-METRO$275,665$352,950$426,625$530,150
LAKENON-METRO$275,665$352,950$426,625$530,150
LEWIS AND CLARKHELENA, MT$286,350$366,550$443,100$550,650
LIBERTYNON-METRO$275,665$352,950$426,625$530,150
LINCOLNNON-METRO$275,665$352,950$426,625$530,150
MADISONNON-METRO$325,450$416,600$503,600$625,850
MCCONENON-METRO$275,665$352,950$426,625$530,150
MEAGHERNON-METRO$275,665$352,950$426,625$530,150
MINERALNON-METRO$275,665$352,950$426,625$530,150
MISSOULAMISSOULA, MT$295,550$378,350$457,350$568,350
MUSSELSHELLNON-METRO$275,665$352,950$426,625$530,150
PARKNON-METRO$275,665$352,950$426,625$530,150
PETROLEUMNON-METRO$275,665$352,950$426,625$530,150
PHILLIPSNON-METRO$275,665$352,950$426,625$530,150
PONDERANON-METRO$275,665$352,950$426,625$530,150
POWDER RIVERNON-METRO$275,665$352,950$426,625$530,150
POWELLNON-METRO$275,665$352,950$426,625$530,150
PRAIRIENON-METRO$275,665$352,950$426,625$530,150
RAVALLINON-METRO$275,665$352,950$426,625$530,150
RICHLANDNON-METRO$275,665$352,950$426,625$530,150
ROOSEVELTNON-METRO$275,665$352,950$426,625$530,150
ROSEBUDNON-METRO$275,665$352,950$426,625$530,150
SANDERSNON-METRO$275,665$352,950$426,625$530,150
SHERIDANNON-METRO$275,665$352,950$426,625$530,150
SILVER BOWBUTTE-SILVER BOW, MT$275,665$352,950$426,625$530,150
STILLWATERNON-METRO$275,665$352,950$426,625$530,150
SWEET GRASSNON-METRO$289,800$371,000$448,450$557,300
TETONNON-METRO$275,665$352,950$426,625$530,150
TOOLENON-METRO$275,665$352,950$426,625$530,150
TREASURENON-METRO$275,665$352,950$426,625$530,150
VALLEYNON-METRO$275,665$352,950$426,625$530,150
WHEATLANDNON-METRO$275,665$352,950$426,625$530,150
WIBAUXNON-METRO$275,665$352,950$426,625$530,150
YELLOWSTONEBILLINGS, MT$275,665$352,950$426,625$530,150

Montana FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Montana FHA Limits Set?

Montana FHA Loan LimitsMortgage limits for Montana FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Montana FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in MT is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in MT is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Montana FHA loan limits are set above the floor amount in the areas surrounding Billings, Bozeman and Helena. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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