NeighborWorks Great Falls Low-Mod Amortizing Second
Repayable second loan · Income limit 150% of AMI
Single-family detached, Manufactured home on permanent foundation, Condo, Townhome, PUD, Duplex, ADU
See details Jul 2026
Down payment assistance · Montana
Buying a home in Cascade County, MT
3 county-wide programs, 1 city with their own, plus 11 statewide and 62 nationwide.Cascade has 3 programs that cover the whole county and 1 city with a program of their own. On top of those, 11 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in CascadeAnywhere in Cascade County
3 programs for every Cascade address3 programs that cover every Cascade address
All 3 ask for a homebuyer class.These are run for the whole county, so a home in Great Falls, Malmstrom Air Force Base or Sun Prairie can use them. All 3 ask for a homebuyer class.
Home Amortizing Second Mortgage
Deferred second loan · New construction · Income limit 125% of AMI
Single-family detached, condominium, townhouse, PUD per NWGF underwriting.
See details Jun 2026
Home Deferred Mortgage
Deferred second loan · New construction · Income limit 80% of AMI
Single-family detached, condominium, townhouse, PUD per NWGF underwriting.
See details Jul 2026
AMI is HUD’s area median income for Cascade, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Cascade city with their own program
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
The Cascade marketThe Cascade housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Cascade
- 67% single-familysingle-family
- 5.6% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 13.1% 5+ unitscondo & apartment buildings (5+ units)
- 7.3% mobile & othermobile home & other
Condos count. All 3 county-wide programs and 2 of the 4 city programs list condos as eligible. City of Great Falls HOME Deferred Second Mortgage lists single-family detached and manufactured home on permanent foundation (larger than single-wide, built after july 1976). NeighborWorks Great Falls Owners in Partnership (OIP) lists nwgf new-construction homes, high school house, major-rehabilitation homes and manufactured home on permanent foundation (larger than single-wide, built after july 1976).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cascade’s homes were built
pre-19401970s2020+
65.8%
of Cascade 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.
$89,000
HUD area median income, 4 people (FY2026)HUD area median income, Cascade County, 4-person household (FY2026)
$67,690
Median household income (ACS 2024 5-year)Median household income in Cascade (Census ACS 2024 5-year)
68.5%
of occupied homes are owner-occupied (Montana: 69.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 20 of the 80 programs here set their income limit as a share of Cascade County’s area median income, adjusted for household size. See the published limits for Cascade County
Free help in CascadeFree help in Cascade
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Cascade County
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Cascade County.
3 cities and placesA to Z
All cities in Cascade CountyAll 3 cities and places in Cascade County
has a program of its own
Cascade questions
Can I use a county program anywhere in Cascade?
The 3 county-wide programs cover homes anywhere in the county. City programs, like Great Falls’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Cascade County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Cascade programs accept condos?
All 3 county-wide programs and 2 of the 4 city programs list condos as eligible. City of Great Falls HOME Deferred Second Mortgage lists single-family detached and manufactured home on permanent foundation (larger than single-wide, built after july 1976). NeighborWorks Great Falls Owners in Partnership (OIP) lists nwgf new-construction homes, high school house, major-rehabilitation homes and manufactured home on permanent foundation (larger than single-wide, built after july 1976). The agency confirms it for the home you choose.
Where can I take a homebuyer class in Cascade?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Cascade County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.