USDA and FHA Pro and Con in Hardin, Big Horn County, MT

As of 2025, the USDA loan limit for a single-family home in Hardin, county of Big Horn, MT is $336,500. Meanwhile, the FHA limit stands at $472,030.

Utilize Lendersa®'s USDA loan calculator to compare the ideal USDA versus FHA rates today, understanding the income, credit, reserves, and necessary documents required for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which program in suits your financial circumstances best.

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2025 Loan Limits and Downpayment Specifications in Hardin, County of Big Horn, MT

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

USDA and FHA Loan Choices in Hardin, MT

At Lendersa®, our aim is to quickly secure the most suitable USDA or FHA loan for you with ease. Begin with one of three paths that connect you with matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MT

A USDA home loan, alternatively known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans do not require any down payment.

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



  • Bank of The Rockies
  • 205 West Main Street, White Sulphur Springs, MT, 59645
  • We are a full-service bank with offices in Bozeman, Clyde Park, Emigrant, Helena, Lewistown, Livingston, and White Sulphur Springs. Our goal is to be the strongest financial partner that our community has by priortizing community involvement and service. As the oldest bank in Montana, we are constantly trying to improve the way we serve.
  • First State Bank of Golva
  • 410 Terrell Ave, Golva, ND, 58632
  • First State Bank of Golva, Beach, Medora celebrates 100 years of community service. The First State Bank of Golva, Beach, and Medora have a commitment to the community, sharing a common past continuously since 1914. First State Bank offers full, friendly service for all your banking needs at competitive rates by local people who care.
  • First Community Bank Montana
  • 540 2nd Ave S, Glasgow, MT, 59230
  • At First Community Bank, we define success as working together, because we know that when we do, we’re more effective getting things done for our customers. We also know that the best way to build a thriving community is to become invested in everyone’s success. We believe in the power of education and feel compelled to develop community education.
  • Prospera Business Network
  • 865 Technology Blvd, Suite A, Bozeman, MT, 59718
  • 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
  • Bank of Bozeman
  • 875 Harmon Stream Blvd., Bozeman, MT, 59718
  • 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.
  • GoPrime Mortgage Inc.
  • 2015 Charlotte St, Suite 3, Bozeman, MT, 59718
  • "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"
  • Western Bank of Wolf Point
  • 111 3rd Avenue South, Wolf Point, MT, 59201
  • Western Bank of Wolf Point is a locally owned bank that will serve its constituency with integrity & commitment for the well-being & survival of our community. The bank contributes pro-active leadership & human resources to help our community. The bank provides the necessary products & services to accommodate the diverse needs of our customers.
  • Wolf Point Federal Credit Union
  • 217 Third Avenue South, Wolf Point, MT, 59201
  • WOLF POINT FEDERAL CREDIT UNION: received it's federal charter in 1963 with charter #15375. The original Board of Directors had seven members, which remain true today. Credit unions are association of people, owned and democratically controlled by their members. Should they cease to be such, they cease to be credit unions
  • Manhattan Bank
  • 124 S Broadway, Manhattan, MT, 59741
  • 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.
  • Belt Valley Bank
  • 111 Castner Street, Belt, MT, 59412
  • Belt Valley Bank is a locally owned, full service, independent bank serving Central Montana since 1936. We offer a range of deposit and loan products with customer service second to none. Our goal is to be your financial partner. Our directors, officers, and staff strive to stay involved with community events and enjoy the opportunity.
  • Dakota Western Bank
  • 202 South Main Street, Bowman, ND, 58623
  • Dakota Western Bank, established in 1910, is an independent, locally-owned bank that is headquartered and operated in southwest North Dakota. DWB is the local financial services leader that partners with our customers, employees and communities to achieve economic success and DWB employees provide a positive banking experience for our valued custom
  • Wyoming Community Bank
  • 1700 N. Federal Boulevard, Riverton, WY, 82501
  • In 1998 the only independent bank in Riverton, was sold to a large national bank, which left a void in banking services in Fremont County. Kent Shurtleff and several local business people recognized the county’s financial needs and the opportunity to form a local community bank that would be owned and managed by people living in Fremont County