USDA Vs. FHA Pro and Con comparison in Kalispell, Flathead County, MT
In 2025, the USDA loan limit for Kalispell, in Flathead county, MT, stands at $353,200. For a single-family home, the FHA limit is $553,150.
Utilize the Lendersa® USDA loan calculator to assess the best USDA versus FHA rates today. This tool also helps determine the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program in for your specific financial scenario.
2025 Loan Limits and Down Payment Requirements in Kalispell, 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 Opportunities in Kalispell, MT
Lendersa® is dedicated to finding you the best USDA or FHA loan options efficiently and without hassle. Begin with one of three paths aligned to match you with lenders and USDA loan programs.
A USDA home loan, offered by the U.S. Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans with a 3.5% minimum down payment, USDA mortgage loans offer the benefit of no down payment requirement.
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