USDA Vs. FHA Pro and Con comparison in Big-Sky, Gallatin County, MT

In 2025, USDA loan limit in Big-Sky, county of Gallatin, MT is $382,700 while FHA limit is $478,400 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments 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%

USDA and FHA loan options in Big-Sky, MT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Montana?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • DGH Home Mortgage
  • 1411 Woodcrest Avenue, Brea, CA, 92821
  • We offer a variety of Home Mortgages, Conventional, High Balance Conventional, Jumbo, FHA,VA, Reverse Mortgages, Equity lines for Home Purchases and Refinances, for first time homebuyers to the experienced home buyers and investors. Currently also closing HARP 2.0 loans with many of our lending instutitions.
  • TRG Mortgage
  • 145 South State College Boulevard, Suite 315, Brea, CA, 92821
  • TRG as an independent mortgage banking group, thrives in the marketplace with the sound ideology & commitment in service excellence. Our passion for technology, education, planning and home financing solutions for our clientele is the strength of everyday. Not only will our turn-times be a time-mover, the personalized & tailored mortgage plan.
  • S & S Home Loans
  • 400 West Lambert Road, Suite F, Brea, CA, 92821
  • S & S Home Loans has been providing our client's real estate financing expertise since 1983. We value each relationship and strive to educate and inform our clients to make the loan process simple and transparent. Whether buying or refinancing or gal is to provide extraordinary service and we work hard to earn our clients trust and confidence.
  • Charis Loans, Inc.
  • 135 South State College Boulevard, Suite 200, Brea, CA, 92821
  • Charis is a word that is used for both giving and receiving. All of us, at Charis Loans, are both aware and thankful that we’ve been given grace, favor, and kindness throughout our lives. Our mission is to put those qualities into our work and give all of our clients an experience equal to our name. We appreciate the opportunity to serve.
  • AmWest Funding Corp
  • 6 Pointe Drive, Suite 300, Brea, CA, 92821
  • AmWest Funding Corp. was originally founded in 1995. The organization is driven by a highly successful management team possessing an average of two decades of experience among its core leadership. Focused on providing home loans responsibly throughout the communities we serve exceptional customer experience for you and your client.
  • American Financial Network, Inc.
  • 10 Pointe Drive, Brea, CA, 92821
  • As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals
  • G P International Inc
  • 6700 Fallbrook Ave, Suite 100, West Hills, CA, 91307
  • The experienced professionals of Napa Finance Group take great pride in helping our clients fulfill all their real estate and financial needs. When you establish a relationship with our team, you are not only getting a peace of mind that you are working with a team of professionals that have vast and diverse experience-you’re also gaining a team.
  • Prime Broker Loans LLC
  • 4322 Hidden Oaks Drive, Yorba Linda, CA, 92886
  • At Prime Broker Loans LLC. We are a full-service mortgage company based in Yorba Linda, CA. We specialize in FHA and Jumbo Home Loans in Yorba Linda. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code 92886, we can help you realize your dream of homeownership
  • Pacific California Financial
  • 145 N Lemon St, Orange, CA, 92886
  • We provide our home buying clients with local expertise to help them find the ideal home and neighborhood to suit their lifestyle. We represent new home developers who specialize in building luxury homes in prime residential neighborhoods. Each home is crafted to offer the best in contemporary design and amenities.
  • American Commerce Mortgage Company Inc.
  • 4676 Lakeview, Suite 212, Yorba Linda, CA, 92886
  • American Commerce Mortgage has been providing clients in California with mortgage financing solutions since 1986. Our excellent reputation as a trusted mortgage professional has been built on our ability to provide fast financing solutions for borrowers. Our integrity and dedication to customer service.
  • The Brokerage
  • 4676 Lakeview Ave, Suite 204, Yorba Linda, CA, 92886
  • The Brokerage, We are home loan experts dedicated to making sure your home purchase or refinance experience is uniquly customized to meet or exceed your needs and goals. We've been helping customers afford the home of their dreams for over 18 years and love what we do. There are a number of different types of home loans available to you
  • Professional Financial Mortgage Inc.
  • 18431 Yorba Linda Boulevard, Suite 3, Yorba Linda, CA, 92886
  • Professional Financial Mortgage, it is our mission to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while giving them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.