USDA and FHA Pro and Con in Shelby, Toole County, MT
In 2026, the USDA loan limit for Shelby, county of Toole, MT, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates. You can determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options to help you decide which program in best matches your financial needs.
2026 Loan Limits and Down Payment Requirements in Shelby, County of Toole, MT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Programs in Shelby, MT
At Lendersa®, our objective is to quickly connect you with the best USDA or FHA loan without hassle. Choose one of the three ways to start matching with lenders and discover suitable USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the government's Department of Agriculture. This type of loan is available solely in rural areas and requires no down payment, unlike FHA loans which mandate a minimum of 3.5% down.
Montana Credit Union is a full-service financial institution. We offer convenient savings & checking accounts, competitive loans and many other financial services. Membership is open to anyone living in Cascade, Chouteau or Teton counties. Credit Union is a full-service financial institution.
Russell Country, our Home Loan Team is here to help calm the voices in your head and make your home buying process a sweet success! And, in addition to their expertise, our Home Loan Team has a wide array of options for you to consider. Russell Country Federal Credit Union is a banking company based out of 810 1St Ave S, Great Falls, MT, US
Independence Bank, formerly known as First Security Bank, was founded in 1972 by a group of Havre business owners who saw a need for a community bank. The headquarters opened at its present Fifth Avenue location in March 1973. Since that time we have acquired branches in Poplar, Scobey, Malta and Glasgow. Building on our success
1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union.
Belt Valley Bank is a locally owned, full service, independent bank serving Central Montana since 1936. We offer a range of deposit and loan products with customer service second to none. Our goal is to be your financial partner. Our directors, officers, and staff strive to stay involved with community events and enjoy the opportunity.
Three Rivers Bank of Montana is a place where you can still get to know your banker, get personalized attention and quick answers because we are independently owned and locally operated. We are a vital contributor of time, talent, and resources to the community we serve. We are dedicated to enhancing our shareholders value.
Whitefish Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union, dedicated to bettering our members’ financial health.Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union.
Glacier Bank was founded in 1955 in Kalispell, Montana. We have Banking offices in Flathead County (9), Lake County (2), Lincoln County (2), Butte-Silverbow (2) and Anaconda in Deer Lodge County.
We are pleased to offer a full range of financial products and services including Personal and Business Deposit Accounts
30 5th Street East, Suite 102, Kalispell, MT, 59901
Lends in Montana
At Reliance Lending Northwest we We understand. Every client has a different level of experience, financial stability, and plan for their future. We extend an unexpected level of personal service to find the right home loan for you, in the Flathead Valley, based on your buying situation.
1830 3rd Ave East, Suite 201, Kalispell, MT, 59901
Lends in Montana
Mountain Lake Mortgage our mission is to use our wealth of experience and resourcefulness to serve our clients, to put their best interest ahead of our own in every situation and to live by the law of abundance. We thrive on building trust based relationships with everyone we serve.
