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

In 2026, 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

2026 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

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


Big-Sky Lenders

  • Bank of Bozeman
  • 875 Harmon Stream Blvd., Bozeman, MT, 59718
  • Lends in Montana
  • Superior customer service, competitive products and local Bozeman loan decisions. These are just a few of the things that make us your premier local Bozeman, Montana bank. We’ve modeled our business on the community we treasure, bringing top talent and extensive experience to a small-but-powerful new kind of bank.

  • GoPrime Mortgage Inc.
  • 2015 Charlotte St, Suite 3, Bozeman, MT, 59718
  • Lends in Montana
  • "We are a local lender backed by the experience and expertise of GoPrime Mortgage, Inc. based in North Carolina. With decades of combined experience our processors, underwriters and Loan Officers can offer unsurpassed service in one of the biggest transactions of your life.
    We offer Conventional, FHA, VA, USDA Rural Development and Jumbo loans"

  • First Security Bank
  • 208 East Main St, Bozeman, MT, 59715
  • Lends in Montana
  • First Security Bank is the community bank choice for southwest and central Montanans. Since the first branch opened over 95 years ago on Bozeman's Main Street, First Security has grown to be the market leader and offers the most branch and ATM locations in the area. The bank donates and supports employee volunteerism to over 250

  • Manhattan Bank
  • 124 S Broadway, Manhattan, MT, 59741
  • Lends in Montana
  • Locally owned and operated full service bank offering financial products and services. Something for everyone from personal to business to agriculture and more. We now offer on the go options like mobile banking mobile deposit and person to person payments. One of our Customer Service Representatives would love to explore the right options for you.

  • Sky Federal Credit Union
  • 111 North B Street, Livingston, MT, 59047
  • Lends in Montana
  • Sky Federal Credit Union is a full-service community chartered, not-for-profit financial cooperative. Our charter allows us to serve anyone who lives, works or worships in the rural district of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula

  • Thelen Mortgage
  • 11 West Main St, Suite 220, Belgrade, MT, 59714
  • Lends in Montana
  • Since 2001 we have established great relationships with many reputable Wholesale Lenders. This allows us the ability find you the best loan product and rate available in the market. It is important for us to understand more about your specific needs to ensure you receive the best possible service and accurate rate quote.

  • Madison Valley Bank
  • 109 West Second, Boulder, MT, 59632
  • Lends in Montana
  • When Peter T. opened First Madison Valley Bank in 1965, on Main Street of Ennis, Montana, he waited outside the doors of his single-story bank building, with no indoor plumbing, and shook hands with each patron who entered. He intended for that bank to serve as a hub for the rural Montana community he loved.

  • High Peaks Federal Credit Union
  • 222 S Pacific Street, Dillon, MT, 59725
  • Lends in Montana
  • High Peaks Federal Credit Union helped members reach their goals for 60 years by providing quality, low-cost financial products and convenient services. As a not-for-profit financial cooperative, we return earnings to our members in the form of higher dividends, lower loan rates and a full range of products and services.

  • Pioneer Federal Savings and Loan
  • 32 N. Washington St, Dillon, MT, 59725
  • Lends in Montana
  • Pioneer Federal Savings and Loan Association is dedicated to providing quality services and products to its customers all the while remaining financially strong and adding value to the quality of life in the communities it services. We are proud to have served our communities for over 100 years by helping our neighbors fulfill their dreams.

  • Bank of The Rockies
  • 205 West Main Street, White Sulphur Springs, MT, 59645
  • Lends in Montana
  • We are a full-service bank with offices in Bozeman, Clyde Park, Emigrant, Helena, Lewistown, Livingston, and White Sulphur Springs. Our goal is to be the strongest financial partner that our community has by priortizing community involvement and service. As the oldest bank in Montana, we are constantly trying to improve the way we serve.