Explore the differences! FHA VS Conventional loan programs in Shelby, Toole County, Montana

As of 2026, the Conventional loan limit in Shelby, located in Toole county of MT, is $726,200. The FHA limit for a single-family home is $472,030.

Make use of the Lendersa® Conventional loan calculator to compare top rates for Conventional, FHA, and USDA loans today. Evaluate the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can see Conforming Conventional, USDA, FHA, and VA loans side-by-side, helping you select the best program for your financial needs in MT.

Explore loan offers from a range of 100 lenders

2026 Loan Limits and Down Payment Requirements in Shelby, Toole County, MT

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

Note: The comparison table applies to zip codes: 59474

Options for Conventional and FHA Loans in Shelby, MT

Lendersa® strives to facilitate quick access to the best Conventional, USDA, or FHA loan without complications. Choose one of three initial steps that guide you to matching lenders and appropriate loan programs.

Results from a Lendersa USDA loan request


Shelby Lenders

  • 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

  • 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

  • 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.

  • Three Rivers Bank of Montana
  • 233 East Idaho, Kalispell, MT, 59901
  • Lends in Montana
  • Three Rivers Bank of Montana is a place where you can still get to know your banker, get personalized attention and quick answers because we are independently owned and locally operated. We are a vital contributor of time, talent, and resources to the community we serve. We are dedicated to enhancing our shareholders value.

  • Whitefish Credit Union - Columbia Falls Branch
  • 1845 Highway 93 South, Columbia Falls, MT, 59901
  • Lends in Montana
  • Whitefish Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union, dedicated to bettering our members’ financial health.Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union.

  • Glacier Bank
  • 202 Main St, Kalispell, MT, 59901
  • Lends in Montana
  • Glacier Bank was founded in 1955 in Kalispell, Montana. We have Banking offices in Flathead County (9), Lake County (2), Lincoln County (2), Butte-Silverbow (2) and Anaconda in Deer Lodge County.

    We are pleased to offer a full range of financial products and services including Personal and Business Deposit Accounts

  • Reliance Lending Northwest
  • 30 5th Street East, Suite 102, Kalispell, MT, 59901
  • Lends in Montana
  • At Reliance Lending Northwest we We understand. Every client has a different level of experience, financial stability, and plan for their future. We extend an unexpected level of personal service to find the right home loan for you, in the Flathead Valley, based on your buying situation.

  • Mountain Lake Mortgage
  • 1830 3rd Ave East, Suite 201, Kalispell, MT, 59901
  • Lends in Montana
  • Mountain Lake Mortgage our mission is to use our wealth of experience and resourcefulness to serve our clients, to put their best interest ahead of our own in every situation and to live by the law of abundance. We thrive on building trust based relationships with everyone we serve.

  • Freedom Bank MT
  • 530 9th St. West, Columbia Falls, MT, 59912
  • Lends in Montana
  • Freedom Bank thrives on community involvement and is built on a foundation of trust. Don Bennett, President of Freedom Bank in Columbia Falls, is no stranger to building from the ground up. Freedom Bank, which Bennett founded in April 2005, began in his basement. For the first year, the bank operated out of an old 980-square-foot trailer.