USDA Vs. FHA your options comparison in Bozeman, Gallatin County, MT
In 2026, the USDA loan limit for Bozeman, within Gallatin county, MT, is set at $483,000. Meanwhile, for a single-family home, the FHA limit is $703,800.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to review USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in is best for your financial needs.
2026 Loan Limits and Down Payment Requirements in Bozeman, Gallatin, MT
Loan Type
Loan Limit
Down Payment
USDA
$483,000
0%
FHA
$703,800
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Bozeman, MT
Lendersa® aims to swiftly connect you with the best available USDA or FHA loans, without any hassle. Start with one of three pathways that effectively link you to the right lenders and USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages offer the advantage of no down payment.
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"
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.
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
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.
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
When Peter T. opened First Madison Valley Bank in 1965, on Main Street of Ennis, Montana, he waited outside the doors of his single-story bank building, with no indoor plumbing, and shook hands with each patron who entered. He intended for that bank to serve as a hub for the rural Montana community he loved.
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.
