USDA Vs. FHA your options comparison in Helena-Valley-Southeast, Lewis and Clark County, MT
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 . Discover required income, credit score, reserves, and documentation for qualification.
2026 Loan Limits & Downpayment Needs in Helena-Valley-Southeast, Lewis and Clark, MT
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Helena-Valley-Southeast, MT
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%.
RMCU is here to help you through life’s events big or small. As a member, you are an owner. RMCU is a democratic financial cooperative and that means you have a say in how your credit union is run. We are also not-for-profit which allows us to offer low loan rates and higher interest deposits. RMCU puts people first.
In 1970, Paul Caruso, Sr. moved to Helena and established Ascent Bank, formerly First Security Bank of Helena. Paul believed that being a family owned and managed bank meant truly supporting the community and creating a culture that saw every customer as having unique needs. Paul and the entire staff saw finding solutions.
Valley Bank proudly serves the Helena Valley and surrounding areas, helping businesses and individuals achieve their financial goals every day.
We are a division of Glacier Bank, which is owned by Glacier Bancorp, Inc. (GBCI), a regional bank holding company headquartered in Kalispell, Montana.
At our heart we are a Montana community bank. We are part of each community we serve. We volunteer, donate, build, educate, and strive to make our communities stronger. Our mission is to provide strong financial futures for Montanans. Opportunity Bank of Montana opened our doors in Helena, Montana in 1922.
Vocal Credit Union is an established financial institution whose operating principles are guided by our members. Since 1954, we have developed strong relationships with our membership and feel confident offering the full strength of our services to members at all stages of their lives. Our experienced and knowledgeable staff tailor.
Intrepid Credit Union offers its members the latest in technology as well as a full menu of products — from all types of loans (including mortgage) to 24-hour account information by phone or internet, bill pay, free rewards checking, various savings accounts for all ages, as well as IRAs, Share Certificates, & Mastercard credit cards & debit cards.
When Peter T. opened First Madison Valley Bank in 1965, on Main Street of Ennis, Montana, he waited outside the doors of his single-story bank building, with no indoor plumbing, and shook hands with each patron who entered. He intended for that bank to serve as a hub for the rural Montana community he loved.
205 West Main Street, White Sulphur Springs, MT, 59645
Lends in Montana
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.
Mountain West Federal Credit Union received its federal charter in 1952 and has been doing business as a non-profit, member-owned financial institution since. We are located in “Butte America”, Montana, and also Libby Montana. We have recently been granted a Rural Community Charter
First Citizen's Bank of Butte began with the goal of serving individuals and businesses in our local community and today we're proud to continue that tradition. Our mission is to remain independent, as a locally owned and directed institution, managed by the people we serve in a way that promotes economic growth and stability within our community.
