USDA VS FHA 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.

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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.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in MT

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.

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



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  • 345 Putnam Avenue, Ormond Beach, FL, 32174
  • 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.
  • Ormond Mortgage Group
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  • We are a private mortgage company specializing in non-qualifying hard money loans to real estate investors in the State of Florida for rehab/flip properties, rental property and cash-out refinances for investment properties. We offer several loan programs that will certainly meet your needs. We offer zero upfront fees until your loan is approved.
  • Keystone Mortgage Solutions LLC
  • 1415 Loretto Circle, Odessa, FL, 33556
  • 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.
  • Diligent Mortgage Group
  • 9202 Brindlewood Drive, Odessa, FL, 33556
  • We strive for the ultimate experience in customer service while using our mortgage services. Whether you are looking for a specific program or you don't know where to start, we are here to help. President Frank Weigel is help every day all lients obtain the best loans in order to finance their properties.
  • Heidelberg Capital Corp
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  • Heidelberg Capital Corp. is a Licensed Florida Mortgage Brokerage Corporation dedicated to helping Florida consumers make informed real estate financing decisions. Our professional, experienced staff will answer all your real estate financing questions and will ensure your mortgage process goes smoothly from application to funding.
  • MOTTO MORTGAGE APPROVED
  • 8517 Gunn Highway, Odessa, FL, 33556
  • As the owners of Motto Mortgage Approved (Kerven & Marilyn Dennis) we would like to thank you for getting to this page it means you share an interest in supporting our Franchise/Local Tampa small business. Supporting your neighbor, your friend. We are not here hiding behind the computer never to be seen.
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  • 1230 Gray Court, Eustis, FL, 32726
  • Commercial Mortgage Advisors originates loans with Life Insurance Companies, CMBS Lenders, Multi-Family DUS Lenders, Commercial Banks, Structured Finance Lenders, SBA lenders, and Industrial Development Bond lenders. The company primarily places long-term, fixed-rate financing on income producing.
  • Flagship Bank
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  • Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses
  • Lewin & Associates
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  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options. We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State. Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL