For 2026, the FHA loan limits in Sidney, within Richland county of MT, are set at $472,030 for a single-family home, $604,400 for duplexes, $730,525 for tri-plexes, and $907,900 for four-unit properties.
The highest loan amount available for conventional mortgages on a single-family dwelling is $726,200. For duo residential units, this limit is $929,850, for tri-units it's $1,123,900, and for four units, it reaches $1,396,800.
Today's best FHA rates and necessary qualifications such as downpayment, income, credit, reserves, and documents can be figured out using our FHA calculator.
Utilize the Lendersa® calculator to assess FHA rates and conditions alongside other loan program terms. Examine conventional, jumbo, VA, USDA, Non-QM, and hard money loans relative to FHA offerings.
Lendersa® draws from a vast pool of lender data and efficiently compares it to your specific financial profile and needs.
The 2026 Loan Limits Comparison Table for Sidney, situated in Richland county of MT, facilitates comparisons of FHA, conventional, jumbo, USDA, VA, none-QM, super jumbo, reverse mortgage (HECM), and hard money loan maxima. For analyzing qualification criteria like income, reserves, and credit requirements, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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