Down payment assistance · Montana

Buying a home in Montana

36 programs: 11 statewide, the rest run by counties and 2 cities. What you can use depends on where the home is.36 programs across Montana: 11 statewide, the rest run by counties and 2 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Cascade	7	$265,300	$89,000	See Cascade
Yellowstone	4	$349,500	$113,000	See Yellowstone
Flathead	2	$535,500	$101,500	See Flathead
Big Horn	1	$143,400	$67,800	See Big Horn
All 56 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–September 2026.

Anywhere in Montana

11 statewide programs

Up to $524,225

HUD Section 184 Indian Home Loan Guarantee Program

First mortgage · New construction · Veterans

See details

Up to $25,000

FHLB Des Moines Native American Homeownership Initiative (NAHI)

Assistance grant · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $20,000

NeighborWorks Montana Statewide Low-Mod Amortizing Second

Second mortgage · Income limits

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

16 HUD-approved counseling agencies in Montana16 HUD-approved housing counseling agencies in Montana

7 of the 11 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.7 of the 11 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in MontanaArea median income for all 56 counties, and the limit each program sets.See the limits

Montana questions

What is HUD Section 184 Indian Home Loan Guarantee Program?

HUD Section 184 Indian Home Loan Guarantee Program, a first mortgage (new construction), open anywhere in Montana and run by U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee. Its page has the details and a link to the official site.

Which Montana counties run their own programs?

9 counties of 56 have a county or city program listed, among them Cascade, Yellowstone, Flathead and Big Horn. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Montana?

Many programs ask for one. 7 of the 11 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Montana condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.