In 2025, the FHA loan cap for Kalispell in Flathead, MT has been set at $553,150 for single-family homes, $708,150 for duplexes, $855,950 for triplexes, and $1,063,750 for four-plexes.
The upper limit for conventional loans is $726,200 for one-unit homes, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to discover today's best FHA rates and understand the necessary details for down payment, required income, credit score, reserves, and the documentation needed to qualify.
The Lendersa® calculator allows for a side-by-side comparison of FHA rates and terms with those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Rapidly processing data from thousands of lenders, Lendersa® offers comparisons aligned with your distinct financial profile and specific needs.
The Loan Limits Comparison Table for 2025 in Kalispell, Flathead, MT provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To assess qualification criteria such as income, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $553,150 | $708,150 | $855,950 | $1,063,750 |
| 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 | $353,200 | $353,200 | $353,200 | $353,200 |
| 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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