Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Montana. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Montana Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Beaverhead County, MT | $306,000 | $391,000 |
| Big Horn County, MT | $306,000 | $391,000 |
| Billings, MT HUD Metro FMR Area | $323,000 | $408,000 |
| Blaine County, MT | $306,000 | $391,000 |
| Broadwater County, MT | $306,000 | $391,000 |
| Carter County, MT | $306,000 | $391,000 |
| Chouteau County, MT | $306,000 | $391,000 |
| Custer County, MT | $306,000 | $391,000 |
| Daniels County, MT | $306,000 | $391,000 |
| Dawson County, MT | $306,000 | $391,000 |
| Deer Lodge County, MT | $306,000 | $391,000 |
| Fallon County, MT | $306,000 | $391,000 |
| Fergus County, MT | $306,000 | $391,000 |
| Flathead County, MT | $306,000 | $391,000 |
| Gallatin County, MT | $357,000 | $449,000 |
| Garfield County, MT | $306,000 | $391,000 |
| Glacier County, MT | $306,000 | $391,000 |
| Golden Valley County, MT HUD Metro FMR Area | $306,000 | $391,000 |
| Granite County, MT | $306,000 | $391,000 |
| Great Falls, MT MSA | $306,000 | $391,000 |
| Hill County, MT | $306,000 | $391,000 |
| Jefferson County, MT | $323,000 | $417,000 |
| Judith Basin County, MT | $306,000 | $391,000 |
| Lake County, MT | $306,000 | $391,000 |
| Lewis and Clark County, MT | $340,000 | $431,000 |
| Liberty County, MT | $306,000 | $391,000 |
| Lincoln County, MT | $306,000 | $391,000 |
| Madison County, MT | $306,000 | $391,000 |
| McCone County, MT | $306,000 | $391,000 |
| Meagher County, MT | $306,000 | $391,000 |
| Mineral County, MT | $306,000 | $391,000 |
| Missoula, MT MSA | $306,000 | $391,000 |
| Musselshell County, MT | $306,000 | $391,000 |
| Park County, MT | $306,000 | $391,000 |
| Petroleum County, MT | $306,000 | $391,000 |
| Phillips County, MT | $306,000 | $391,000 |
| Pondera County, MT | $306,000 | $391,000 |
| Powder River County, MT | $306,000 | $391,000 |
| Powell County, MT | $306,000 | $391,000 |
| Prairie County, MT | $306,000 | $391,000 |
| Ravalli County, MT | $306,000 | $391,000 |
| Richland County, MT | $323,000 | $417,000 |
| Roosevelt County, MT | $306,000 | $391,000 |
| Rosebud County, MT | $306,000 | $391,000 |
| Sanders County, MT | $306,000 | $391,000 |
| Sheridan County, MT | $323,000 | $417,000 |
| Silver Bow County, MT | $306,000 | $391,000 |
| Stillwater County, MT | $323,000 | $408,000 |
| Sweet Grass County, MT | $306,000 | $391,000 |
| Teton County, MT | $306,000 | $391,000 |
| Toole County, MT | $306,000 | $391,000 |
| Treasure County, MT | $306,000 | $391,000 |
| Valley County, MT | $306,000 | $391,000 |
| Wheatland County, MT | $306,000 | $391,000 |
| Wibaux County, MT | $306,000 | $391,000 |
