FHA VS Conventional loan in Billings, Yellowstone County, Montana
For the year 2026, the Conventional loan limit in Billings, within Yellowstone county, MT, is set at $726,200. Conversely, the FHA loan limit for a single-family home stands at $472,030.
Leverage the Lendersa® Conventional loan calculator to evaluate and compare today’s top rates for Conventional loans against FHA and USDA options. Determine the necessary income, credit score, reserves, and documents required for qualification. Our sophisticated mortgage calculator presents a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, enabling you to choose the most suitable program in MT for your financial circumstances.
Loan Limits and Down Payment Requirements for 2026 in Billings, Yellowstone County, MT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The limits shown in this table apply to zip codes: 59106
Options for Conventional and FHA Loans in Billings, MT
Lendersa® is dedicated to obtaining the most favorable Conventional, USDA, or FHA loan both quickly and seamlessly for you. You have the choice of three initial pathways leading to matched lenders and loan programs that fit your needs.
At Kimball Home Mortgage we strive to provide the best customer experience possible. Whether you're a first time home buyer or real estate pro, our team is here to make your loan process as easy as possible.we are a mortgage broker, we have a wide range of loan programs available.
Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. This is why we have one of the highest rates of repeat borrowers in the business. Our mortgage professionals embrace our passion for customer care
We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace. Yellowstone Bank was founded by B. M. Harris in 1907.
Stockman Bank is a Montana born company built on western values, focused on creating long-standing relationships through integrity, expertise and results. We are the largest private, family owned bank in Montana. Founded 1953, in Miles City by William Nefsy, we are Montana's premier financial center for personal, business, agriculture,
Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace.
Yellowstone Bank was founded by B. M. Harris in 1907
Western Security Bank is a full service, community focused organization serving those who live and work in Yellowstone County, Montana. With conveniently located branches from Laurel to Lockwood, we offer more locations than any other financial institution serving the Billings area.
Western Security Bank, A Division of Glacier Bank,
"We are 'Your Home Town Mortgage Store' We shop America's Top Lender for the best real estate home loan, suited to your needs. No extra cost to you! Great Rates! More loan options for you! Lenders with NO Banking ‘overlays’. NO ‘Extra’ loan restrictions. Helping home buyers and owners for over 20 years!"
Valley Credit Union has proudly served citizens within the Big Sky Country, which now includes 11 counties across Montana and Wyoming. From the beginning, we were founded on the promise to provide accommodating, personalized service, as well as top-notch financial services to our members. Those founding principles are the same driving force
