For 2026, the FHA loan limits in Helena-Valley-Northwest county, part of Lewis and Clark, MT, are at $356,362 for single-family homes. For properties with two units, the limit is $456,275; for three units, it is $551,500; and for properties with four units, the cap is $685,400.
For conventional loans, the top loan amount for a single-family home is $548,250. With two units, the maximum is $702,000; for three-unit residences, it's $848,500; and for four-unit properties, it reaches $1,054,500.
Utilize our FHA calculator to explore today’s best FHA rates and determine what's required, including the downpayment, income, credit, reserves, and needed documentation for qualification.
The Lendersa® calculator lets you compare FHA rate and terms with all other loan programs. Examine and contrast conventional, jumbo, VA, USDA, non-QM, and hard money loans with FHA offerings.
Lendersa® compiles data from thousands of lenders and rapidly compares it against your specific financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Helena-Valley-Northwest's Lewis and Clark county, MT, helps compare FHA, conventional conforming, jumbo, USDA, VA, none-QM, super jumbo, reverse mortgage (HECM), and hard money limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification criteria such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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