Deferred second loan
Downpayment Assistance Program
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per first-mortgage overlays.
Down payment assistance · Gallatin County
Buying a home in Bozeman, MT
2 Bozeman programs, 1 county program and 11 statewide.Bozeman has 2 programs of its own, 1 more across Gallatin County, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Bozeman addresses
Bozeman’s own programs
Deferred second loan
HRDC's Road to Home Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD · CLT-encumbered properties also eligible. Manufactured home on permanent foundation per overlays.
Anywhere in GallatinAnywhere in Gallatin County
1 county program1 county program a Bozeman homebuyer can also use
The Bozeman marketThe Bozeman housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bozeman
- 41.4% single-familysingle-family
- 15.5% townhousetownhouse
- 16.6% 2–4 units2–4 units
- 25.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. 2 of Bozeman’s 3 local and county programs accept condos. Habitat for Humanity Gallatin Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bozeman’s homes were built
pre-19401970s2020+
32.4%
of Bozeman homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$130,200
County area median income, 4 people (HUD)HUD area median income, Gallatin County, 4-person household (2026)
$85,747
Bozeman median household incomeMedian household income in Bozeman (Census, 2024)
16 of the 76 programs here set their income limit as a share of Gallatin County’s area median income, adjusted for household size. See the published limits for Gallatin County
Free help nearbyFree help near Bozeman
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Bozeman questions
Does Bozeman have its own down payment program?
Yes, 2: Downpayment Assistance Program and HRDC's Road to Home Down Payment Assistance. Each is for homes inside Bozeman.
Can I use assistance on a condo in Bozeman?
2 of Bozeman’s 3 local and county programs accept condos. Habitat for Humanity Gallatin Valley Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Gallatin County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Gallatin County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bozeman?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Bozeman. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59715 · 59717 · 59718 · 59719 · 59771 · 59772 · 59773
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.