USDA and FHA Pro and Con in Big-Sky, Gallatin County, MT
For 2026, the USDA loan limit in Big-Sky, county of Gallatin, MT is $382,700, while the FHA loan limit stands at $478,400 for a single-family home.
With Lendersa®'s USDA loan calculator, compare today's top USDA and FHA rates. Determine necessary income, credit details, reserves, and documents for eligibility. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most suitable program in for your financial situation.
2026 Loan Limits and Down Payment Needs in Big-Sky, County of Gallatin, MT
Loan Type
Loan Limit
Down Payment
USDA
$382,700
0%
FHA
$478,400
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Big-Sky, MT
Lendersa® aims to secure you the best USDA or FHA loan quickly and with ease. Begin with one of three starting points to find matching lenders and suitable USDA loan programs.
A USDA home loan, also called a USDA rural development loan or mortgage, is guaranteed by the government and available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Prospera Business Network is the leading non-profit organization advancing and supporting community-centered economic development in southwest Montana. Our focus is helping people start and grow their business – in turn strengthening our region’s economy and communities. Prospera services are client-focused offering entrepreneurs
Superior customer service, competitive products and local Bozeman loan decisions. These are just a few of the things that make us your premier local Bozeman, Montana bank. We’ve modeled our business on the community we treasure, bringing top talent and extensive experience to a small-but-powerful new kind of bank.
"We are a local lender backed by the experience and expertise of GoPrime Mortgage, Inc. based in North Carolina. With decades of combined experience our processors, underwriters and Loan Officers can offer unsurpassed service in one of the biggest transactions of your life. We offer Conventional, FHA, VA, USDA Rural Development and Jumbo loans"
First Security Bank is the community bank choice for southwest and central Montanans. Since the first branch opened over 95 years ago on Bozeman's Main Street, First Security has grown to be the market leader and offers the most branch and ATM locations in the area. The bank donates and supports employee volunteerism to over 250
Locally owned and operated full service bank offering financial products and services. Something for everyone from personal to business to agriculture and more. We now offer on the go options like mobile banking mobile deposit and person to person payments. One of our Customer Service Representatives would love to explore the right options for you.
Sky Federal Credit Union is a full-service community chartered, not-for-profit financial cooperative. Our charter allows us to serve anyone who lives, works or worships in the rural district of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula
Since 2001 we have established great relationships with many reputable Wholesale Lenders. This allows us the ability find you the best loan product and rate available in the market. It is important for us to understand more about your specific needs to ensure you receive the best possible service and accurate rate quote.
First Citizen's Bank of Butte began with the goal of serving individuals and businesses in our local community and today we're proud to continue that tradition. Our mission is to remain independent, as a locally owned and directed institution, managed by the people we serve in a way that promotes economic growth and stability within our community.
The Federal Credit Union is a member-owned financial organization providing accessible and competitive financial services to meet the needs of our members, while maintaining long-term stability and growth.and also We are here to serve your financial needs. Please contact us to let us know how we can better serve you. Check our great services.
Mile High Federal Credit Union is a member-owned, not-for-profit financial organization operated in Butte, Montana. Mile High Credit Union has been in operation since 1936 Our goals are to continue the credit union philosophy of people helping people by encouraging savings, offering loans at competitive rates, & providing the best quality service.
