USDA Vs. FHA Pro and Con comparison in Billings, Yellowstone County, MT
In 2026, the USDA loan limit for Billings, within the county of Yellowstone, MT, is set at $336,500, while the FHA limit for a single-family home is $472,030.
To compare today's top USDA versus FHA rates, use the Lendersa® USDA loan calculator. This tool additionally helps you determine what income, credit, reserves, and documentation are required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in identifying which program in best suits your financial situation.
2026 Loan Limits and Down Payment Needs in Billings, Yellowstone, MT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Billings, MT
Lendersa® is focused on quickly securing you the best USDA or FHA loans without hassle. Initiate your process by choosing one of three steps leading to suitable lenders and USDA loan programs.
A USDA home loan—endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage—is provided solely in rural regions. FHA loans typically require a down payment of at least 3.5%, whereas USDA loans offer the benefit of zero down payment.
At Kimball Home Mortgage we strive to provide the best customer experience possible. Whether you're a first time home buyer or real estate pro, our team is here to make your loan process as easy as possible.we are a mortgage broker, we have a wide range of loan programs available.
Altana Federal Credit Union has been 70 years since 9 Montana refinery workers pooled their money in a cash box located in an empty boxcar. It’s hard to imagine that they could have envisioned the impact they would have on the lives of so many people. The first loan given was used to purchase a sewing machine. The rest, as they say, is history.
Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. This is why we have one of the highest rates of repeat borrowers in the business. Our mortgage professionals embrace our passion for customer care
We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
Aspen Financial, Inc in Billings, MT opened for business in 2007 and is a locally owned and operated business with a combined 20 years of experience. Our mission is to provide hassle-free emergency lending, debt consolidation, personal loans and auto loans.and also We’ve seen people struggle with expenses resulting from unfortunate emergencies and
Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace. Yellowstone Bank was founded by B. M. Harris in 1907.
MHFCU is a compassionate, member-oriented $75 million financial cooperative that provides opportunities for financial health and wealth building to members of the Montana Healthcare community and their families through competitively priced financial services delivered by friendly, reliable, fun service providers using the most advanced technology.
Stockman Bank is a Montana born company built on western values, focused on creating long-standing relationships through integrity, expertise and results. We are the largest private, family owned bank in Montana. Founded 1953, in Miles City by William Nefsy, we are Montana's premier financial center for personal, business, agriculture,
Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace.
Yellowstone Bank was founded by B. M. Harris in 1907
