USDA Vs. FHA Pro and Con comparison in Missoula, Missoula County, MT
In 2026, the USDA loan limit for Missoula, located in Missoula county, MT, is $377,200. In contrast, the FHA loan cap for a single-family home is noted as $546,250.
Utilize the Lendersa® USDA loan calculator to evaluate today's most favorable USDA and FHA rates, and understand the requirements in terms of income, credit, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to help you determine which program in best aligns with your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Missoula, Missoula, MT
Loan Type
Loan Limit
Down Payment
USDA
$377,200
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Missoula, MT
At Lendersa®, our mission is to quickly and effortlessly connect you with the best USDA or FHA loans available. Choose one of three starting points to seamlessly align with the right lenders and USDA loan opportunities.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively offered in rural communities. In contrast to FHA loans that necessitate a minimum down payment of 3.5%, USDA mortgages offer the benefit of requiring no down payment.
At Montana Family Mortgage. We are a full-service mortgage company based in Missoula, MT. We specialize in Conventional, VA Loans, Rural Development, FHA in Missoula and throughout Montana! Whether you are buying a home or refinancing , we can help you realize your dream of home ownership!
2000 South Russell Street, Suite 1, Missoula, MT, 59801
Lends in Montana
MECU has been a reliable resource for Missoulians, who are looking for more than an ordinary banking experience. In 1996 we began as a financial cooperative for school employees in Missoula, Mineral, Granite and Sanders counties, but expanded to serve all Missoula County residents in 1998. We are an independent credit union
Missoula Mortgage, Inc. is dedicated to helping you, and we will always keep your best interest in mind. To get started, just give us a call. You can also fill out the online mortgage application. One of our professional Mortgage Originators will contact you to go over your particular situation
While our name has changed, our commitment to you & to the values that have guided us for over 60 years will never change. We believe that banking should be grounded in cooperative ownership. Banking should solve problems. It should be inclusive of all walks of life. And above all, we believe banking should be a force for good in the communities
Mortgage Planning Specialist and Owner of Galipeau Mortgage has been helping clients achieve their home ownership goals. Jackie is passionate about her industry & has built her highly respected career on earning the trust of her clients and partners by providing honest, well-communicated & knowledge-based lending experiences with on-time results!
CFI has been committed to always lend a professional and personal touch to every transaction. With our extensive experience in the cash flow industry you can count on us to offer you the best options, and a premium price for your Private Mortgages & Notes.Our trusted and knowledgeable staff can address your concerns, answer your questions.
For more than 20 years Bryon Smith has been providing clients with top notch service along with low fees. Whether you are purchasing your first home, buying or building your dream home, investing in rental properties or refinancing, Bryon will work hard to get you the best mortgage program to meet your financial needs.
2307 Stephens Ave, Suite 7901, Missoula, MT, 59801
Lends in Montana
Many people like to know what to expect before they visit with someone at a mortgage company. That’s why we start by answering your questions and helping you understand the process. We will go above and beyond to ensure every meeting, every call, and every step of applying for a mortgage is as smooth and stress-free as possible.
St. Pat’s Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the St. Pat’s Employees Federal Credit Union will continue a sound yet progressive asset management strategy.
Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.
