USDA VS FHA in Columbia-Falls, Flathead County, MT

In the year 2025, the USDA loan limit in Columbia-Falls, within Flathead county, MT, is set at $302,600. In contrast, the FHA limit for a single-family home is $378,350.

Utilize the Lendersa® USDA loan calculator for a detailed comparison of today's premier USDA versus FHA rates, and determine the necessary income, credit, reserves, and documentation for qualification. Our advanced calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, guiding you to select the most suitable program for your financial requirements in .

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2025 Loan Limits and Downpayment Requirements in Columbia-Falls, Flathead, MT

Loan Type Loan Limit Down Payment
USDA $302,600 0%
FHA $378,350 3.5%
Conventional Conforming $548,250 3%

Available USDA and FHA Loan Options in Columbia-Falls, MT

The objective of Lendersa® is to quickly and seamlessly provide you with the best USDA or FHA loan. Initiate with one of three pathways that connect you to matching lenders and USDA loan programs.

Results of Lendersa USDA loan request and matches

Understanding USDA Loans in MT

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. This loan is only available in rural areas and features the unique advantage of requiring no down payment, unlike FHA loans, which require at least a 3.5% down payment.

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



  • Bank of Utica
  • 222 Genesee Street, Utica, NY, 13502
  • Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
  • Utica District Telephone Employees Federal Credit Union
  • 2812 Genesee Street, Utica, NY, 13502
  • Utica District Telephone Employees FCU provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families. Utica District Telephone Employees Federal Credit Union, located at 2812 Genesee St, Utica, New York, provides a complete range of financial services to employees of Verizon.
  • CS Credit Union
  • 6519 CommScope Road, Catawba, NC, 28609
  • CS Credit Union was initially chartered in 1986 as MA/-COM Employees Credit Union, a spin-off from two previous credit unions, Siecor Credit Union & Superior Cable Credit Union. MA/-COM was established as the credit union for employees of family members of the forerunner of the present-day Select Employee Group, CommScope, Inc. of North Carolina.
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  • The Commercial Bank of Ozark was chartered in 1959 and has served the citizens of Ozark and Dale county to the present. Douglas Brown organized the bank because the financial needs for new construction were going unmet by the community's primary bank. Members of the initial board of directors included Douglas Brown, William C. Brown, etc
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  • At Hometown Mortgage Resources Inc., our motto is to provide you with "Great Rates & Honest Service". We treat each customer as an individual, not a number. We understand that each applicant has different needs and will help you find the rate and program that fits your situation.
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  • At Bank of Clarke County, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in us. Please do not send confidential information such as account numbers, social security numbers, or credit card information through this form, as this is not a secure form of communic
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