In 2026, the USDA loan threshold for Helena-Valley-Southeast, situated in the county of Lewis and Clark, MT, is $285,000, whereas the FHA limit for a single-family property remains at $356,362.
To evaluate current top rates between USDA and FHA loans, use the Lendersa® USDA loan calculator. Our advanced tools show side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding your decision for the best fit financially in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to quickly securing the best USDA or FHA loans for your needs. Initiate one of three paths that connect potential lenders to USDA loan offerings effectively.
A USDA home loan, backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This loan is available solely in rural areas. It stands out as it requires no down payment, unlike FHA loans which require a minimum of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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