HUD Section 184 Indian Home Loan Guarantee Program
U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee
First mortgage · New construction
Veterans
Verified Jul 2026See details →
Down payment assistance
Down payment assistance in Montana
Statewide and federal programs every Montana buyer can consider — plus a city-by-city directory below. Free to explore, no credit pull.
- Statewide + federal
- 73
- Open to first-time buyers
- 24
- Forgivable
- 54
- Largest award
- $524,225
Statewide + federal
Open to first-time buyers
Forgivable
Largest award
73 programs
Across Montana
11 programsUp to $524,225
FHLB Des Moines Native American Homeownership Initiative (NAHI)
Federal Home Loan Bank of Des Moines (via participating member financial institutions)
Assistance grant · Forgiven over 5 yrs · Income limits
First-time
Verified Sep 2026See details →
NeighborWorks Montana Statewide Low-Mod Amortizing Second
NeighborWorks Montana
Second mortgage · Income limits
Targeted area
Verified Sep 2026See details →
MBOH Plus 0% Deferred Down Payment Assistance Program
Deferred second loan · New construction · Income limits
First-timeTargeted areaVeterans
Verified Jun 2026See details →
Montana Board of Housing Mortgage Credit Certificate (MCC) Program
Montana Board of Housing (Montana Department of Commerce)
Mortgage credit certificate
First-time
Verified Sep 2026See details →
Bond Advantage DPA
Deferred second loan · New construction · Income limits
First-timeTargeted areaVeterans
Verified Jun 2026See details →
Montana Board of Housing 80% Combined Program
Montana Board of Housing (Montana Department of Commerce)
Second mortgage · Income limits
Verified Jul 2026See details →
Montana Veterans' Home Loan Program (VHLP)
Montana Board of Housing (Montana Department of Commerce, Montana Housing)
First mortgage · Income limits
First-timeVeterans
Verified Jul 2026See details →
NeighborWorks Montana 20+ Community Second
NeighborWorks Montana
Second mortgage · New construction · Income limits
Targeted area
Verified Sep 2026See details →
USDA Section 502 Guaranteed Rural Housing Loan (Montana)
USDA Rural Development (via approved lenders)
First mortgage · New construction · Income limits
Targeted area
Verified Sep 2026See details →
USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)
USDA Rural Development - Montana State Office (Single Family Housing Direct Programs)
First mortgage · New construction · Income limits
Verified Sep 2026See details →
Federal
62 programsU.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
Assistance grant · Income limits
NationwideVeterans
Verified Jul 2026See details →
America First Credit Union 100% No PMI Adjustable-Rate Mortgage
First mortgage
Nationwide
Verified Jul 2026See details →
American Pacific Mortgage 1% Home Program
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
American Pacific Mortgage Pathway DPA
Deferred second loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jun 2026See details →
BluePoint Mortgage Zero-Down Home Loan
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
BNY Down Payment Assistance
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Chase Bank Homebuyer Grant
Assistance grant · Income limits
NationwideTargeted area
Verified Sep 2026See details →
Chico Rancheria Housing Corporation Homebuyer Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Citibank, N.A. HomeRun Mortgage
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Confederated Tribes of Grand Ronde Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
CrossCountry Mortgage Community Promise
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
CrossCountry Mortgage Non-QM loans
Assistance grant
Nationwide
Verified Jul 2026See details →
CrossCountry Mortgage Smart Start Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeNationwideTargeted area
Verified Jul 2026See details →
Direct Mortgage Loans Go Direct FHA 100% Financing
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Empowered DPA Program Down Payment Assistance
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Essex Mortgage 10 Year Amortized 2 Plus
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Essex Mortgage Forgivable/Deferred Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Fairway Independent Mortgage Corporation Affordable Housing
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Fairway Independent Mortgage Corporation HOPER's Incentive Program
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
First Bank Thrive Mortgage Loan
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
Flagstar - Flagstar Gift Program
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Guild Mortgage 1% Down Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Guild Mortgage 3-2-1 Home Plus Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Guild Mortgage Doctor and Medical Professionals Program
Assistance grant
Nationwide
Verified Jul 2026See details →
Guild Mortgage MyPath2Own Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeNationwide
Verified Jul 2026See details →
Guild Mortgage Zero Down Mortgage Program
Deferred second loan · Income limits
First-timeNationwideTargeted area
Verified Jul 2026See details →
HSBC Bank USA CommunityWorks
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Lakeview National Down Payment Assistance Homeownership Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Land Home Financial Services, Inc. House2Home Program
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Lennar Mortgage Advantage Plus Program
Assistance grant · New construction
Nationwide
Verified Jul 2026See details →
Luminate Bank Luminate PATH National DPA Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jun 2026See details →
MEP Advantage DPA Program
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
NACA Homeownership through Public Housing Assistance (HOT-PHA)
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
NACA's New Construction Homes
Assistance grant · New construction · Income limits
Nationwide
Verified Jul 2026See details →
NASA FCU $0 Down, No PMI Mortgage Purchase
Assistance grant
Nationwide
Verified Jul 2026See details →
National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
Deferred second loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Navy Federal Credit Union Homebuyers Choice Loan
Assistance grant
First-timeNationwideVeterans
Verified Jul 2026See details →
Navy Federal Credit Union Military Choice Loan
Assistance grant
NationwideVeterans
Verified Jul 2026See details →
North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Northern Circle Indian Housing Authority Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
Northpointe Bank ONE+ Loan Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Pathway Homes Essential Workers Program
Shared-appreciation loan · Income limits
NationwideEducators
Verified Jun 2026See details →
PNC Bank Low to Moderate Income Borrower Grant
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
PNC Bank PNC Grant
Assistance grant · Income limits
NationwideTargeted area
Verified Jun 2026See details →
Primary Residential Mortgage Down Payment Program
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Rocket Mortgage ONE+ By Rocket Mortgage Program
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Siletz Tribal Housing Department Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
State Department Federal Credit Union First-Time Homebuyer Mortgage
Assistance grant
First-timeNationwide
Verified Jul 2026See details →
Susan's Savings First Time Home Buyers Program
Assistance grant · New construction · Income limits
First-timeNationwide
Verified Jul 2026See details →
Tyndall Federal Credit Union $1,000 Off Closing Cost
Assistance grant
Nationwide
Verified Jun 2026See details →
Tyndall Federal Credit Union $450 Closing Cost
Assistance grant
Nationwide
Verified Jun 2026See details →
U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
Assistance grant · Forgiven over 3 yrs · Income limits
NationwideEducators
Verified Jul 2026See details →
U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
U.S. Department of Housing and Urban Development HCV Homeownership Program
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
U.S. Department of the Interior Indian Affairs Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
U.S. Department of Veterans Affairs Native American Direct Loan
Assistance grant · Income limits
NationwideVeterans
Verified Jun 2026See details →
U.S. Department of Veterans Affairs VA-backed Purchase Loan
Assistance grant · Income limits
NationwideVeterans
Verified Jul 2026See details →
USDA Rural Development Single Family Housing Guaranteed Loan Program
First mortgage · Income limits
Nationwide
Verified Jul 2026See details →
Valley First Credit Union Middle Income Homebuyer Program
Assistance grant · Income limits
First-timeNationwide
Cities in Montana
Programs by situation
Programs that name a group among those they serve. Naming a group is one eligibility rule among several — income limits, purchase price caps and occupancy requirements still apply.
Programs by loan type
The first-mortgage types each program can be paired with. The lender underwrites separately from the assistance program.
Common questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Can you combine down payment assistance programs?
- Do you need a homebuyer education class for down payment assistance?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
Questions, answered
The honest answers first
Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
What down payment assistance is available in Montana?
This page lists the statewide and federal programs any Montana buyer can consider, and links through to a city-by-city directory for locally administered ones. Programs are run by housing finance agencies, cities, counties, and nonprofits — each sets its own eligibility rules.
Do I have to be a first-time buyer in Montana?
Not always. Many programs are open to first-time buyers only, but plenty are not, and "first-time" usually means you have not owned a home in the last three years. Each program card shows whether it is limited to first-time buyers.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Counties in Montana
56 counties — each lists the cities inside it and the programs a buyer there can use.
- Beaverhead County
- Big Horn County
- Blaine County
- Broadwater County
- Carbon County
- Carter County
- Cascade County
- Chouteau County
- Custer County
- Daniels County
- Dawson County
- Deer Lodge County
- Fallon County
- Fergus County
- Flathead County
- Gallatin County
- Garfield County
- Glacier County
- Golden Valley County
- Granite County
- Hill County
- Jefferson County
- Judith Basin County
- Lake County
- Lewis and Clark County
- Liberty County
- Lincoln County
- Madison County
- McCone County
- Meagher County
- Mineral County
- Missoula County
- Musselshell County
- Park County
- Petroleum County
- Phillips County
- Pondera County
- Powder River County
- Powell County
- Prairie County
- Ravalli County
- Richland County
- Roosevelt County
- Rosebud County
- Sanders County
- Sheridan County
- Silver Bow County
- Stillwater County
- Sweet Grass County
- Teton County
- Toole County
- Treasure County
- Valley County
- Wheatland County
- Wibaux County
- Yellowstone County
90-second match
Not sure which you qualify for?
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