Explore the differences! FHA VS Conventional loan programs in Big-Sky, Gallatin County, Montana

In 2025, the Conventional loan limit in Big-Sky, which is part of Gallatin county in MT, is $647,200. Meanwhile, the FHA limit for a single-family home is $603,750.

Take advantage of the Lendersa® Conventional loan calculator to compare top rates for Conventional, FHA, and USDA loans today. Determine the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator gives a side-by-side look at Conforming Conventional, USDA, FHA, and VA loans, helping you select which option is ideal for your financial situation in MT.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Big-Sky, Gallatin County, MT

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $382,700 0%
FHA $603,750 3.5%

The comparison table is applicable to the following zip codes: 59730, 59716

Options for Conventional and FHA Loans in Big-Sky, MT

Lendersa® endeavors to secure the best possible Conventional, USDA, or FHA loan for you quickly and without complication. Choose one of three starting points to find matching lenders and their loan programs.

Results from a Lendersa USDA loan request


  • Russell Country Federal Credit Union
  • 810 1st Ave South, Great Falls, MT, 59401
  • Russell Country, our Home Loan Team is here to help calm the voices in your head and make your home buying process a sweet success! And, in addition to their expertise, our Home Loan Team has a wide array of options for you to consider. Russell Country Federal Credit Union is a banking company based out of 810 1St Ave S, Great Falls, MT, US
  • Big Horn Federal Savings Bank
  • 33 North 6th Street, Greybull, WY, 82426
  • Big Horn Federal has provided residents of the Big Horn Basin with 2 essential services: a safe place for their savings & affordable mortgage funds for their home purchases. We have expanded on these services to offer checking accounts, consumer loans, debit cards, wire services, safe deposit accounts and a host of other related financial products.
  • Farmers State Bank
  • 103 Main St, Victor, MT, 59875
  • Farmers State Bank offers a full range of banking services to residents and business in Western Montana. Locally owned and founded in 1907, Farmers State Bank is built on a foundation of strong relationships with out communities and their members. Our goal to make your experience with us easy and enjoyable.
  • SECURITY STATE BANK
  • 201 South 4th Street, Basin, WY, 82410
  • Our mission and strategic plan is to remain locally owned and independent. We believe that our structure enables us to provide the highest standard in financial services including quality service, competitive products, and value to our customers.Additionally, we are committed to exploring new banking solutions.
  • Montana Educators Credit Union
  • 2000 South Russell Street, Suite 1, Missoula, MT, 59801
  • MECU has been a reliable resource for Missoulians, who are looking for more than an ordinary banking experience. In 1996 we began as a financial cooperative for school employees in Missoula, Mineral, Granite and Sanders counties, but expanded to serve all Missoula County residents in 1998. We are an independent credit union
  • Missoula Mortgage Inc
  • 1721 South Ave W, Missoula, MT, 59801
  • Missoula Mortgage, Inc. is dedicated to helping you, and we will always keep your best interest in mind. To get started, just give us a call. You can also fill out the online mortgage application. One of our professional Mortgage Originators will contact you to go over your particular situation
  • Clearwater Federal Credit Union
  • 2237 34th St, Missoula, MT, 59801
  • While our name has changed, our commitment to you & to the values that have guided us for over 60 years will never change. We believe that banking should be grounded in cooperative ownership. Banking should solve problems. It should be inclusive of all walks of life. And above all, we believe banking should be a force for good in the communities
  • Galipeau Mortgage LLC
  • 945 Wyoming Street, Apt 217, Missoula, MT, 59801
  • Mortgage Planning Specialist and Owner of Galipeau Mortgage has been helping clients achieve their home ownership goals. Jackie is passionate about her industry & has built her highly respected career on earning the trust of her clients and partners by providing honest, well-communicated & knowledge-based lending experiences with on-time results!
  • Creative Finance & Investments
  • 1821 South Ave W, Suite 407, Missoula, MT, 59801
  • CFI has been committed to always lend a professional and personal touch to every transaction. With our extensive experience in the cash flow industry you can count on us to offer you the best options, and a premium price for your Private Mortgages & Notes.Our trusted and knowledgeable staff can address your concerns, answer your questions.
  • Bryon Smith Mortgage llc
  • 1014 South Ave W C, Missoula, MT, 59801
  • For more than 20 years Bryon Smith has been providing clients with top notch service along with low fees. Whether you are purchasing your first home, buying or building your dream home, investing in rental properties or refinancing, Bryon will work hard to get you the best mortgage program to meet your financial needs.
  • Capital Family Mortgage
  • 2307 Stephens Ave, Suite 7901, Missoula, MT, 59801
  • Many people like to know what to expect before they visit with someone at a mortgage company. That’s why we start by answering your questions and helping you understand the process. We will go above and beyond to ensure every meeting, every call, and every step of applying for a mortgage is as smooth and stress-free as possible.
  • First Montana Bank
  • 201 N. Higgins Ave, Missoula, MT, 59802
  • Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.