USDA and FHA Pro and Con in Kalispell, Flathead County, MT

In 2025, USDA loan limit in Kalispell, county of Flathead, MT is $353,200 while FHA limit is $553,150 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Kalispell, county of Flathead, MT

Loan Type Loan Limit Down payment
USDA $353,200 0%
FHA $553,150 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Kalispell, MT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Montana?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Apple Direct Funding
  • 8622 E. Garvey Ave, Suite 206, Rosemead, CA, 91770
  • Apple Direct Funding Corp was founded in 1994. The Company's line of business includes arranging loans for others on a commission or fee basis. We are a mortgage correspondent. We are using our warehouse line to fund loans which means faster service to close transactions. Company Headquarter located in 8622 Garvey Ave # 206, Rosemead, CA 91770.
  • Omaha Federal Credit Union
  • 3001 S 82nd Avenue, Omaha, NE, 68124
  • Omaha Federal Credit Union opened for business April 1, 1935, to serve the financial needs of the Omaha community. Membership is open to anyone living or working in Douglas, Sarpy or Washington counties in Nebraska and Pottawattamie County in Iowa. Omaha FCU offers a full range of financial services, including mobile
  • Alliance Home Loan Inc
  • 7940 E. Garvey Ave, Suite 204, Rosemead, CA, 91770
  • Alliance Home Loan Inc. is located in Rosemead, CA, United States and is part of the Activities Related to Credit Intermediation Industry. Alliance Home Loan Inc. has 2 total employees across all of its locations and generates $272, 197 in sales (USD). (Sales figure is modelled). Our Offers variety of programs for Purchase
  • Transpac Investment Corp.
  • 9800 Valley Boulevard, Rosemead, CA, 91770
  • Transpac Investment Corp, started by a husband and wife duo, has been helping the Southern California area since 1998. Since then we have helped thousands of borrowers with all types of financial situations purchase and refinance their homes! We work with both english and mandarin speakers, helping a range of clients
  • Interstate Lenders
  • 3153 Gladys Ave, Monterey Park, CA, 91770
  • "I have been helping friends and families with mortgage home loans since 2002. Prior to being a full time loan agent, I worked with Chase, Wells Fargo Bank and Bank of America. I have over 20 years of loan and financial services experience. I will always provide you with expert advice and give my best effort to meet your goals"
  • Gershman Investment Corp
  • 2580 S 90th St, Suite 140, Omaha, NE, 68124
  • Gershman Mortgage is among the largest mortgage companies in the Midwest, licensed in 11 states, with offices in 7. The company was founded in St. Louis, MO by Solon Gershman in 1955. Since then, the company has grown to be one of the only independently-owned and operated mortgage companies nationwide offering residential,
  • Woodland Hills Mortgage Corporation
  • 21777 Ventura Boulevard, Suite 211, Woodland Hills, CA, 91364
  • Woodland Hills Mortgage Corporation, Real Estate Broker, CA Dept of Real Estate #01901462 NMLS #752237, was founded in 1990 as a private lending institution to fund “make sense” loans that banks won’t make. We knew these bank rejected borrowers still needed mortgage assistance that we could provide
  • Empire of America Corporation
  • 5525 Oakdale Avenue, Suite 150, Woodland Hills, CA, 91364
  • After 35 years in mortgage lending, Empire of America established itself as an effective and knowledgeable mortgage lending firm that knows how to move with the times. With a wide variety of loan products available, a completely secure online platform, and literally ZERO salespeople, you'll find you can easily talk through your home loan opti
  • Mortgage Loan Services Inc
  • 20501 Ventura Boulevard, Suite 311, Woodland Hills, CA, 91364
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Innovation Lending Solutions, Inc.
  • 20121 Ventura Blvd, Woodland Hills, CA, 91364
  • At Innovation Lending Solutions we believe in funding your loan quickly and professionally. In today's market you need a quality and experienced mortgage lending team to fund your loan in a timely manner. Let us help your family today.vation Lending Solutions we believe in funding your loan quickly and professionally.