Are you a first-time homebuyer in Montana? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Treasure State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Start your exciting journey towards owning a home in Montana today.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to $10,000 in down payment assistance | Any Montana resident Homebuyer that can meet income requirements | Second mortgage with a 2% interest rate | |
| Up to $10,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Second mortgage | |
| Up to 100% in down payment and closing costs assistance | Any Montana resident Homebuyer that can meet income requirements | Grant or 0% interest deferred loan | |
| Up to $40,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Second mortgage with a 0% interest rate | |
| Up to $25,000 in down payment or closing costs assistance | First time homebuyers that can meet income requirements | Second mortgage wtih a 0% interest rate | |
| Up to $10,000 in closing cost assistance | Any homebuyer that can meet income requirements (excluding Cascade County) | Second mortgage |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Beaverhead | Sweat equity towards building your own home and getting approval for a mortgage | Any homebuyer that can meet income requirements | Loan and instant equity in your new home | |
| Jefferson | Sweat equity towards building your own home and getting approval for a mortgage | Any homebuyer that can meet income requirements | Loan and instant equity in your new home | |
| Madison | Sweat equity towards building your own home and getting approval for a mortgage | Any homebuyer that can meet income requirements | Loan and instant equity in your new home | |
| Mineral | Up to $35,000 in down payment assistance | First time homebuyers who meet income requirements | Deffered second mortgage | |
| Missoula | Up to $35,000 in down payment assistance | First time homebuyers who meet income requirements | Deffered second mortgage | |
| Powell | Sweat equity towards building your own home and getting approval for a mortgage | Any homebuyer that can meet income requirements | Loan and instant equity in your new home | |
| Ravalli | Up to $35,000 in down payment assistance | First time homebuyers who meet income requirements | Deffered second mortgage | |
| Silver Bow | Sweat equity towards building your own home and getting approval for a mortgage | Any homebuyer that can meet income requirements | Loan and instant equity in your new home |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Billings | Up to $15,000 in down payment and closing cost assistance | First time homebuyers buying within the city limits of Billings and that can meet income requirements | Deferred loan with a 0% interest rate | |
| Billings | Up to $7,500 in down payment and closing cost assistance | First time homebuyers that can meet the income requirements | Grant | |
| Billings | Up to $10,000 in down payment and closing cost assistance | Any homebuyer currently recieving public housing assistance | Grant | |
| Bozeman | Down payment assistance - not specified | First time homebuyer who meets income requirements | Loan | |
| Browning | Home ownership opportunities | Homebuyers who are over the income limit for other Blackfeet Housing programs | Available homes | |
| Great Falls | Up to $50,000 in down payment assistance | Homebuyers that can meet the income requirements | Second mortgage | |
| Great Falls | Up to $50,000 in down payment and closing cost assistance | First time homebuyers that can meet the income requirements | Deferred second mortgage with a 0% interest rate | |
| Great Falls | Up to $3,000 in down payment assistance | First time homebuyer who makes payments to this savings account | Savings match/grant | |
| Helena | Home ownership opportunities | Any homebuyer that can meet income requirements | Available homes with loans with interest rates as low as 1% | |
| Pablo | Up to $15,000 in down payment assistance | Members of Confederated Salish & Kootenai Tribes | Second mortgage |
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