FHA VS Conventional loan in Havre, Hill County, Montana

For 2026, the conventional loan limit in Havre, within the county of Hill, MT, is set at $726,200, while the FHA limit stands at $472,030 for a single-family home.

Utilize the Lendersa® Conventional loan calculator to explore the best current rates across Conventional, FHA, and USDA. Determine the income, credit requirements, reserves, and documents necessary for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side by side, making it easier to decide which program in MT fits your financial needs.

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2026 Loan Limits and Down Payment Requirements in Havre, Hill County, MT

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 59501

Available Conventional and FHA Loan Options in Havre, MT

Lendersa® aims to quickly secure the best Conventional, USDA, or FHA loan for you, without hassle. Begin by selecting one of three paths that guide you to matching lenders and loan programs.

Lendersa USDA loan requests and match results


Havre Lenders

  • Independence Bank
  • 435 3rd Street, Havre, MT, 59501
  • Lends in Montana
  • Independence Bank, formerly known as First Security Bank, was founded in 1972 by a group of Havre business owners who saw a need for a community bank. The headquarters opened at its present Fifth Avenue location in March 1973. Since that time we have acquired branches in Poplar, Scobey, Malta and Glasgow. Building on our success

  • Montana Credit Union
  • 15 14th St S, Great Falls, MT, 59401
  • Lends in Montana
  • Montana Credit Union is a full-service financial institution. We offer convenient savings & checking accounts, competitive loans and many other financial services. Membership is open to anyone living in Cascade, Chouteau or Teton counties. Credit Union is a full-service financial institution.

  • Russell Country Federal Credit Union
  • 810 1st Ave South, Great Falls, MT, 59401
  • Lends in Montana
  • 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

  • Stockman Bank
  • 103 Central Avenue, Stanford, MT, 59479
  • Lends in Montana
  • 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,

  • The First State Bank of Malta
  • 1 South 1st Street East, Malta, MT, 59538
  • Lends in Montana
  • With over a "Century of Service" to Phillips County, The First State Bank of Malta was organized on Jan. 8, 1903. The new bank was chartered with an authorized capital of $50,000.00. The First State Bank has grown and changed in many ways over the past 112 years, however, it still maintains the same qualities

  • 1st Liberty Federal Credit Union
  • 6200 3rd Avenue North, Great Falls, MT, 59405
  • Lends in Montana
  • 1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union.

  • 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.

  • Citizens Bank & Trust Company
  • 32 Central Avenue North, Harlowton, MT, 59036
  • Lends in Montana
  • The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.

  • First Community Bank Montana
  • 540 2nd Ave S, Glasgow, MT, 59230
  • Lends in Montana
  • At First Community Bank, we define success as working together, because we know that when we do, we’re more effective getting things done for our customers. We also know that the best way to build a thriving community is to become invested in everyone’s success. We believe in the power of education and feel compelled to develop community education.

  • Rocky Mountain Credit Union
  • 3400 N. Montana Ave, Helena, MT, 59602
  • Lends in Montana
  • RMCU is here to help you through life’s events big or small. As a member, you are an owner. RMCU is a democratic financial cooperative and that means you have a say in how your credit union is run. We are also not-for-profit which allows us to offer low loan rates and higher interest deposits. RMCU puts people first.