Down payment assistance income limits in Montana
34 down payment assistance programs in Montana publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Montana county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Beaverhead | 2026 | $85,600 |
| Big Horn | 2026 | $67,800 |
| Blaine | 2026 | $87,800 |
| Broadwater | 2026 | $88,200 |
| Carbon | 2026 | $113,000 |
| Carter | 2026 | $72,000 |
| Cascade | 2026 | $89,000 |
| Chouteau | 2026 | $82,400 |
| Custer | 2026 | $97,900 |
| Daniels | 2026 | $93,500 |
| Dawson | 2026 | $100,900 |
| Deer Lodge | 2026 | $86,000 |
| Fallon | 2026 | $119,800 |
| Fergus | 2026 | $89,000 |
| Flathead | 2026 | $101,500 |
| Gallatin | 2026 | $130,200 |
| Garfield | 2026 | $87,300 |
| Glacier | 2026 | $61,700 |
| Golden Valley | 2026 | $74,900 |
| Granite | 2026 | $80,800 |
| Hill | 2026 | $81,800 |
| Jefferson | 2026 | $115,200 |
| Judith Basin | 2026 | $87,000 |
| Lake | 2026 | $83,800 |
| Lewis And Clark | 2026 | $122,400 |
| Liberty | 2026 | $71,400 |
| Lincoln | 2026 | $70,100 |
| Madison | 2026 | $94,100 |
| Mccone | 2026 | $95,000 |
| Meagher | 2026 | $81,600 |
| Mineral | 2026 | $77,600 |
| Missoula | 2026 | $110,100 |
| Musselshell | 2026 | $77,900 |
| Park | 2026 | $94,600 |
| Petroleum | 2026 | $82,700 |
| Phillips | 2026 | $73,900 |
| Pondera | 2026 | $77,100 |
| Powder River | 2026 | $95,100 |
| Powell | 2026 | $79,400 |
| Prairie | 2026 | $76,100 |
| Ravalli | 2026 | $92,900 |
| Richland | 2026 | $96,600 |
| Roosevelt | 2026 | $75,000 |
| Rosebud | 2026 | $73,700 |
| Sanders | 2026 | $71,000 |
| Sheridan | 2026 | $94,800 |
| Silver Bow | 2026 | $87,100 |
| Stillwater | 2026 | $112,300 |
| Sweet Grass | 2026 | $97,300 |
| Teton | 2026 | $90,100 |
| Toole | 2026 | $89,900 |
| Treasure | 2026 | $91,000 |
| Valley | 2026 | $96,900 |
| Wheatland | 2026 | $67,100 |
| Wibaux | 2026 | $95,300 |
| Yellowstone | 2026 | $113,000 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| 20 Plus CommunityGreat Falls · Cascade | 150% of area median incomeUp to 125% AMI Cascade County per seed: $47,050 (1p) up to $138,672 (8p). | — |
| Apsaalooke Nation Housing Authority Down Payment Assistance ProgramCrow Agency · Big Horn | 80% of area median income | — |
| Blackfeet Housing Authority Home Ownership ProgramBrowning · Glacier | 80% of area median income | — |
| Bond Advantage DPAStatewide · Statewide | $156,377MBOH Regular Bond income limits per IRS Section 143 (MRB). Non-targeted: $97,335 (1-2p) / $111,937 (3+p). Targeted: ~$117,000 (1-2p) / $156,377 (3+p). Limits vary by county. See MBOH 'Current Rates, Income and Purchase Price Limits' page. | $783,192 |
| City of Great Falls HOME Deferred Second MortgageGreat Falls · Cascade | 80% of area median incomeHousehold income at or below 80% of HUD median income adjusted for household size in Cascade County. 80% 4-person = $72,640 per NWGF 2026 AMI chart. | — |
| Downpayment Assistance ProgramBozeman · Multiple | 120% of area median incomeHUD HOME income limits for Gallatin, Park, Meagher counties; per seed: $48,100 (1p, 30% AMI) up to $115,150 (8p, 80% AMI Gallatin County). Some sub-tiers extend to 120% AMI (workforce housing). | — |
| FHLB Des Moines Native American Homeownership Initiative (NAHI) | 80% of area median income | — |
| First Time Home Buyer Loan ProgramBillings · Yellowstone | 80% of area median income80% AMI for Yellowstone County (Billings MSA) per HUD income limits. Per seed: $35,580 (1p) up to $89,400 (8p). | $262,000 |
| First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)Missoula · Missoula, Mineral, Ravalli | 80% of area median incomeHousehold annual gross income at or below 80% of HUD median income up to day of closing. 2025 limits (1-7 persons): Missoula County $55,200/$63,050/$70,950/$78,800/$85,150/$91,450/$97,750; Ravalli County $52,200/$59,650/$67,100/$74,500/$80,550/$86,500/$92,450; Mineral County $48,900/$55,900/$62,900/$69,850/$75,450/$81,050/$86,650. | — |
| Habitat for Humanity Gallatin Valley Homeownership ProgramBelgrade · Gallatin | 80% of area median income | — |
| Habitat for Humanity Mid-Yellowstone Valley Homeownership ProgramBillings · Yellowstone | 80% of area median incomeUses HUD low-income guidelines specific to Yellowstone County, updated annually; provided on an income chart with application materials. | — |
| Habitat for Humanity of Flathead Valley Homeownership ProgramKalispell · Flathead | 80% of area median income | — |
| Habitat for Humanity of Missoula Homeownership ProgramMissoula · Missoula | 80% of area median incomeHabitat seeks family partners earning approximately 40-80% of area median income (fluctuates annually). | — |
| Helena Area Habitat for Humanity Mutual Self-Help HomeownershipHelena · Lewis and Clark | 80% of area median income | — |
| Home Amortizing Second MortgageGreat Falls · Cascade | 125% of area median incomeTargeted at borrowers ABOVE 80% AMI up to 125% AMI Cascade County (per seed: $47,050 1p-up to $138,672 8p). Lower band overlaps with deferred-loan program. | — |
| Home Deferred MortgageGreat Falls · Cascade | 80% of area median incomeAt or below 80% AMI Cascade County per HUD MFI by family size; per seed: $47,050 (1p) up to $88,750 (8p). | — |
| Home$tartBillings · Yellowstone | 80% of area median income80% AMI for Yellowstone County (Billings MSA) per HUD MFI. Per seed: $55,200 (1p) up to $104,050 (8p) reflects 80% MFI as of program year. | — |
| Home$tart PlusBillings · Yellowstone | 80% of area median income80% AMI for the area per HUD MFI. Per seed: $55,200 (1p) up to $104,050 (8p) for Yellowstone County / Billings MSA. | — |
| HomeStretch (HB819 Shared Equity Program)Statewide · Multiple | 140% of area median incomeBorrower must be between 60% and 140% area median income (AMI) for the state or county, whichever is less; AMI for Mineral County is capped at 80%. | — |
| HRDC's Road to Home Down Payment AssistanceBozeman · Multiple | 120% of area median incomeHUD HOME income limits for Gallatin / Park / Meagher counties; per seed $48,100 (1p) up to $115,150 (8p Gallatin County 80% AMI). Some workforce-housing tiers extend to 120% AMI. | $513,000 |
| HUD Section 184 Indian Home Loan Guarantee Program | See program | $524,225 |
| Matched Savings AccountGreat Falls · Cascade | 125% of area median incomeUp to ~125% AMI Cascade County per NWGF guidelines; per seed: $47,050 (1p) up to $138,672 (8p). | — |
| MBOH Plus 0% Deferred Down Payment Assistance ProgramStatewide · Statewide | $90,000MBOH Plus household income caps: $80,000 (1-2 person) / $90,000 (3+ person) statewide. Lower than Regular Bond / Bond Advantage caps. | $783,192 |
| Montana Board of Housing 80% Combined ProgramStatewide · Statewide | See programMontana Board of Housing purchase price and income limits apply (see Current Rates, Income and Purchase Price Limits page); plus the requirements of the nonprofit providing the secondary financing. | — |
| Montana Veterans' Home Loan Program (VHLP)Statewide · Statewide | See programNo income or asset limits for borrowers. | — |
| NeighborWorks Great Falls Low-Mod Amortizing SecondGreat Falls · Cascade | 150% of area median incomeIncome at or below 150% of HUD median income adjusted for family size and county where home is located. For FHA first mortgages, max borrower income is 115% of county median. | — |
| NeighborWorks Great Falls Owners in Partnership (OIP)Great Falls · Cascade | 80% of area median incomeHousehold income at or below 80% of HUD median income adjusted for household size in Cascade County. 80% 4-person = $72,640 (NWGF 2026 chart). | — |
| NeighborWorks Montana 20+ Community Second | 150% of area median income | — |
| NeighborWorks Montana HOME Down Payment & Closing Cost AssistanceStatewide · Multiple | 80% of area median incomeTier 1 (HOME): at or below 80% of county median income by family size. Tier 2: up to 125% of county median income by family size. | — |
| NeighborWorks Montana Statewide Low-Mod Amortizing Second | 150% of area median income | — |
| Northwest Montana Community Land Trust Affordable HomeownershipKalispell · Flathead | 140% of area median income | — |
| Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost AssistancePablo · Lake | See programLow- and moderate-income; assistance evaluated by income and family size to keep payment under 30% of income. | — |
| USDA Section 502 Guaranteed Rural Housing Loan (Montana) | 115% of area median incomeAdjusted household income may not exceed 115% of the area median income for the county; limits vary by county and household size (verify on USDA income-limit lookup). | — |
| USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)Statewide · Statewide | 80% of area median incomeVery-low income is below 50% AMI; low income 50-80% AMI. Most Section 502 Direct assistance targets below 50% AMI. Dollar limits vary by county and household size per USDA Income & Property Eligibility site. | — |
Questions, answered
What are the income limits for down payment assistance in Montana?
34 down payment assistance programs in Montana publish an income limit, a purchase price cap, or both. 28 express the limit as a percentage of the area median income for the county where the home is, and 17 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
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.
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