For 2026 in Montana-City county, Jefferson, MT, FHA loan limits are set at $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum for conventional loans on a single-family residence is $548,250. For properties with two units, it’s $702,000, for three units it is $848,500, and for four units, the maximum reaches $1,054,500.
Use our FHA calculator to see today’s finest FHA rates and determine the necessary downpayment, income, credit score, reserves, and required documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans. Explore and assess these alongside FHA options.
Lendersa® gathers loan program data from thousands of lenders and promptly aligns it with your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Montana-City county, part of Jefferson, MT, allows for comparisons among FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To compare qualification requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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