Down payment assistance

Down payment assistance in Lakeside, MT

62 programs a Lakeside buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

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Programs available: 62
Open to first-time buyers: 23
Forgivable: 42
Largest award: $524,225

62 programs

In Flathead County

2 programs

Habitat for Humanity of Flathead Valley Homeownership Program

Habitat for Humanity of Flathead Valley

First mortgage

First mortgage · New construction · Income limits

First-time

Verified Jun 2026

Northwest Montana Community Land Trust Affordable Homeownership

Northwest Montana Community Land Trust, Inc. (NWMTCLT)

Assistance

Shared-appreciation loan · New construction · Income limits

Verified Jun 2026

Across Montana

11 programs

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

Up to $524,225

First mortgage · New construction

Veterans

Verified Jun 2026

FHLB Des Moines Native American Homeownership Initiative (NAHI)

Federal Home Loan Bank of Des Moines (via participating member financial institutions)

Up to $25,000

Assistance grant · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

NeighborWorks Montana Statewide Low-Mod Amortizing Second

NeighborWorks Montana

Up to $20,000

Second mortgage · Income limits

Targeted area

Verified Jun 2026

MBOH Plus 0% Deferred Down Payment Assistance Program

Up to $15,000

Deferred second loan · New construction · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

Montana Board of Housing Mortgage Credit Certificate (MCC) Program

Montana Board of Housing (Montana Department of Commerce)

Up to $2,000

Mortgage credit certificate

First-time

Verified Jun 2026

Bond Advantage DPA

5% of price

Deferred second loan · New construction · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

Montana Board of Housing 80% Combined Program

Montana Board of Housing (Montana Department of Commerce)

20% of price

Second mortgage · Income limits

Verified Jun 2026

Montana Veterans' Home Loan Program (VHLP)

Montana Board of Housing (Montana Department of Commerce, Montana Housing)

First mortgage

First mortgage · Income limits

First-timeVeterans

Verified Jun 2026

NeighborWorks Montana 20+ Community Second

NeighborWorks Montana

20% of price

Second mortgage · New construction · Income limits

Targeted area

Verified Jun 2026

USDA Section 502 Guaranteed Rural Housing Loan (Montana)

USDA Rural Development (via approved lenders)

First mortgage

First mortgage · New construction · Income limits

Targeted area

Verified Jun 2026

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)

USDA Rural Development - Montana State Office (Single Family Housing Direct Programs)

First mortgage

First mortgage · New construction · Income limits

Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide

Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide

Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide

Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans

Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans

Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide

Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide

Verified Jun 2026

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs

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.

Are these all the programs?

We list active programs we've verified for Lakeside and Montana, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.

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.