DeferredGreat Falls · Cascade County
20 Plus Community
Deferred second loan · Income limit 150% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Programs by situationPrograms by situation · Montana
Down payment assistance for veterans and military families in Montana
15 programs name veterans and military families: 5 city, 6 county or regional, 4 statewide.15 programs in Montana name veterans and military families among the groups they serve: 5 run by a city, 6 by a county or regional agency and 4 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a veteran puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a veteran gets a program onto this list; it does not decide whether you can use it.
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The 15 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Montana. Listed A–Z within each group, not ranked.
In a Montana city 5 programs
For homes inside that city’s limits onlyDeferredBillings · Yellowstone County
First Time Home Buyer Loan Program
Deferred second loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Up to $7,500Billings · Yellowstone County
Home$tart
Assistance grant · First-time homebuyers · Income limit 80% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Up to $15,000Billings · Yellowstone County
Home$tart Plus
Assistance grant · First-time homebuyers · Income limit 80% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →GrantGreat Falls · Cascade County
Matched Savings Account
Assistance grant · First-time homebuyers · Income limit 125% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →In a county or region 6 programs
For homes anywhere in the county or the counties namedAssistance availableBig Horn County
Apsaalooke Nation Housing Authority Down Payment Assistance Program
Down-payment assistance · Income limit 80% of area median income
Names: veterans
See details →Assistance availableGlacier County
Blackfeet Housing Authority Home Ownership Program
Down-payment assistance · Income limit 80% of area median income
Names: veterans · Homebuyer class required
See details →DeferredMultiple County
Downpayment Assistance Program
Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →DeferredCascade County
Home Amortizing Second Mortgage
Deferred second loan · Income limit 125% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →DeferredCascade County
Home Deferred Mortgage
Deferred second loan · First-time homebuyers · Income limit 80% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →DeferredMultiple County
HRDC's Road to Home Down Payment Assistance
Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Anywhere in Montana 4 programs
Can sit alongside a city or county program where both allow itDeferred
Bond Advantage DPA
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Up to $524,225
HUD Section 184 Indian Home Loan Guarantee Program
First mortgage
Names: veterans, active-duty service members and reservists · No homebuyer class in the record
See details →Up to $15,000
MBOH Plus 0% Deferred Down Payment Assistance Program
Deferred second loan · First-time homebuyers
Names: active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →First mortgage
Montana Veterans' Home Loan Program (VHLP)
First mortgage · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Nationwide 5 programs · not in the 15
Nationwide: 5 more, not in the 155 nationwide programs that also name veterans and military families, each with its own area and eligibility rules
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 15 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 13 of 15
ask for a homebuyer education class.
- 10 of 15
are limited to first-time homebuyers, as each program defines it.
- 12 of 15
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in MontanaFree help in Montana
16 HUD-approved counseling agencies in Montana16 HUD-approved housing counseling agencies in Montana
13 of 15 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.13 of 15 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a veteran. Create a free account to see who’s near you.
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More of Montana’s programs
Questions, answered
Does being a veteran mean I can use these programs?
No. These programs name veterans and military families in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of Montana’s own, so it is listed below the 15 Montana programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.