Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance
Shared-appreciation loan · Income limits
See details Jul 2026
Down payment assistance · Montana
Buying a home in Lake County, MT
1 county-wide program, plus 11 statewide and 62 nationwide.Lake has 1 program that covers the whole county. 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 LakeAnywhere in Lake County
1 program for every Lake address1 program that covers every Lake address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Polson, Pablo or Ronan can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Lake marketThe Lake housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Lake
- 77.9% single-familysingle-family
- 2% townhousetownhouse
- 5.5% 2–4 units2–4 units
- 4.1% 5+ unitscondo & apartment buildings (5+ units)
- 10.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lake’s homes were built
pre-19401970s2020+
43.3%
of Lake 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.
$83,800
HUD area median income, 4 people (FY2026)HUD area median income, Lake County, 4-person household (FY2026)
$63,360
Median household income (ACS 2024 5-year)Median household income in Lake (Census ACS 2024 5-year)
75%
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. 13 of the 74 programs here set their income limit as a share of Lake County’s area median income, adjusted for household size. See the published limits for Lake County
Free help in LakeFree help in Lake
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Lake’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance asks 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
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Lake questions
Can I use a county program anywhere in Lake?
The 1 county-wide program cover homes anywhere in the county. City programs 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 Lake 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 Lake programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Lake?
HUD-approved housing counseling agencies teach homebuyer classes. 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.