USDA VS FHA in Butte, Silver Bow County, MT

For 2025, the USDA loan limit in Butte, within Silver Bow county, MT, is set at $336,500, while the FHA loan limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator is an excellent tool for comparing today’s prime USDA and FHA rates. It assists with calculating the necessary income, credit scores, reserves, and documents required for qualification. With our advanced mortgage calculator, you can efficiently compare USDA, FHA, Conforming, and VA side by side, helping you identify which program in best suits your unique financial situation.

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2025 Loan Limits and Down Payment Requirements in Butte, Silver Bow, MT

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

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The principal aim of Lendersa® is to swiftly secure for you the best USDA or FHA loans without hassle. Pick one of three pathways that align you with matching lenders and the necessary USDA loan programs to fit your needs.

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What Constitutes a USDA Loan in MT?

The USDA home loan is a financing option guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. This type of loan is exclusively available in rural communities. Unlike FHA loans that mandate a 3.5% minimum down payment, the USDA mortgage loan does not require any down payment, making it an attractive option for those eligible.

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



  • Valley Bank of Ronan
  • 63659 US Hwy 93 S, Ronan, MT, 59864
  • The beginning of Valley Banks was truly a community effort & one of the things that makes small town life so special. Members of the community from up & down the valley came together to raise the capital necessary to get a local community bank off the ground. We are a State Chartered community bank located in the heart of the Mission Valley in MT.
  • Nexus Mortgage Lending
  • 550 W. Sunnyside Road, Suite 11, Idaho Falls, ID, 83402
  • At Nexus Mortgage Lending, we believe that it is our responsibility to be the connection between our clients and their goals of homeownership. It is our goal to educate our clients, provide them with financing options to meet their individual needs, and link them with world-class lending institutions.
  • Copper River Funding
  • 1070 River Walk Dr, Suite 258, Idaho Falls, ID, 83402
  • Copper River Funding offers individuals convenient access to the rewarding opportunities available through private commercial real estate bridge lending. Our disciplined and risk-controlled strategy is designed to help you protect your capital and generate high current income. The members of the CRF management team have amassed over 40 years
  • Trust Alliance Capital
  • 2225 W. Broadway St, Suite J, Idaho Falls, ID, 83402
  • Trust Alliance Capital has been serving commercial customers' financing needs for over 15 years. Currently holding an A+ rating with the Better Business Bureau. Our expertise in commercial equipment financing, SBA/USDA loans, and commercial real estate will help you move forward in your business
  • Idaho First Bank
  • 475 Deinhard Ln, McCall, ID, 83638
  • Idaho First Bank is a Bank with operations in fifty states. Idaho First Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse, construction, credit-challenged borrower, zero down mortgage, physician loans and Good Neighbor Next Door Program mortgages
  • East Idaho Credit Union
  • 865 S Woodruff Ave, Idaho Falls, ID, 83401
  • East Idaho Credit Union was founded in 1935 under the name Idaho Falls U.S. Government Employees Federal Credit Union. In 1963, the name was changed to East Idaho Federal Credit Union and in 1998 became East Idaho Credit Union. Today, it remains one of the oldest Credit Unions in Eastern Idaho. Of the sixteen credit unions started in 1935,
  • Rebound Financial
  • 626 S. Woodruff, Idaho Falls, ID, 83401
  • Rebound Financial is locally owned & operated in Idaho Falls, ID. We believe in local, personal service because not every customers situation is the same. We truly look at each application on a case by case basis working with bad credit since 2008. WE SPECIALIZE IN CUSTOMIZING A LOAN FOR EACH PERSON based on what they are wanting to accomplish.
  • Westmark Credit Union
  • 815 First Street, Idaho Falls, ID, 83401
  • Westmark Credit Union has been helping the people of Idaho grow financially since 1954. We are a full service financial cooperative, entirely owned by our members and committed to the development of their future. We now have 13 convenient locations throughout Idaho to better serve you.
  • Liberty Tax & Loans
  • 273 N Woodruff Ave, Idaho Falls, ID, 83401
  • Lib Properties makes loans to individuals who are unable to go through traditional financing, whether it's credit issues, timing issues, or the type of property. We meet with each borrower so we can clearly understand each and every one of their needs. Our goal is to make sure that every borrower receives professional
  • MEMBERS PREFERRED CREDIT UNION
  • 1515 Hoopes Avenue, Idaho Falls, ID, 83404
  • Members Preferred Credit Union has been open since . It's the 21st largest credit union in Idaho with assets totaling $44.43 Million and providing banking services to more than 4,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Teton Financial
  • 1970 East 17th Street, Idaho Falls, ID, 83404
  • A good surprise can fill you with excitement and joy. A financial surprise, on the other hand, is right up there with unjust parking tickets and an unexpected flat. When dealing with sudden purchases on limited funds, the stress can be insurmountable. What do you do in a situation like that? You call Teton Financial.