For 2026, the FHA loan limits set in Bozeman, Gallatin, MT are $703,800 for a single-family dwelling, $901,000 for two-unit homes, $1,089,100 for three-unit buildings, and $1,353,500 for four-unit structures.
The maximum loan amounts for conventional loans include $726,200 for a single-family house, $929,850 for properties with two units, $1,123,900 for three-unit homes, and $1,396,800 for those with four units.
Use our FHA calculator to identify today’s best FHA rates and to determine down payments, income requirements, credit, reserves, and supporting documents necessary for qualification.
The Lendersa® calculator allows you to weigh FHA rates and terms against those offered by various other loan programs. Investigate a range of options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA deals.
With data pulled from thousands of lenders, Lendersa® rapidly matches it to your financial situation, providing an efficient comparison tailored to your unique needs.
The Loan Limits Comparison Table for 2026 in Bozeman, Gallatin, MT gives insights into maximum loan capacities for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM (Reverse Mortgage), and hard money lending. To assess qualification requirements such as income, reserves, and credit standing, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $703,800 | $901,000 | $1,089,100 | $1,353,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $483,000 | $483,000 | $483,000 | $483,000 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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