USDA Vs. FHA your options comparison in Helena, Lewis and Clark County, MT

For 2026, the USDA loan limit in Helena, situated in the county of Lewis and Clark, MT, is $336,500. In comparison, the FHA limit for a single-family residence is $472,030.

The Lendersa® USDA loan calculator is a valuable tool for evaluating today's best rates between USDA and FHA loans, allowing you to gauge the income, credit, reserves, and documentation necessary for eligibility. Using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA programs side by side to determine the most suitable option for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Helena, Lewis and Clark, 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 Choices in Helena, MT

The aim of Lendersa® is to quickly and easily secure the best USDA or FHA loans for you. Begin by selecting one of three starting points that align with potential lenders and USDA loan programs.

Overview of Lendersa USDA loan request and matches

Understanding USDA Loans in MT

A USDA home loan is supported by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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



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