Deferred second loan
First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)
First-time homebuyers · Income limits
Down payment assistance · Missoula County
Buying a home in Missoula, MT
2 Missoula programs and 11 statewide.Missoula has 2 programs of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Missoula’s own programs
First mortgage
Habitat for Humanity of Missoula Homeownership Program
New construction · Income limits · Newly-constructed Habitat single-family homes
The Missoula marketThe Missoula housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Missoula
- 48.7% single-familysingle-family
- 6.5% townhousetownhouse
- 13.4% 2–4 units2–4 units
- 27.2% 5+ unitscondo & apartment buildings (5+ units)
- 4.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Missoula’s homes were built
pre-19401970s2020+
49%
of Missoula 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.
$110,100
County area median income, 4 people (HUD)HUD area median income, Missoula County, 4-person household (2026)
$70,392
Missoula median household incomeMedian household income in Missoula (Census, 2024)
15 of the 75 programs here set their income limit as a share of Missoula County’s area median income, adjusted for household size. See the published limits for Missoula County
Free help nearbyFree help near Missoula
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Missoula questions
Does Missoula have its own down payment program?
Yes, 2: First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI) and Habitat for Humanity of Missoula Homeownership Program. Each is for homes inside Missoula.
Can I use assistance on a condo in Missoula?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Missoula County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Missoula County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Missoula?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Missoula. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59801 · 59802 · 59803 · 59804 · 59806 · 59807 · 59808 · 59812
Nearby in Missoula
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.