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Montana down payment assistance programs

Quick answer

Montana buyers can get down payment help from Montana Board of Housing. We verified 2 statewide programs, including Bond Advantage Down Payment Assistance (Up to 5% of sales price, maximum $15,000). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Montana offer?

ProgramAmountTypeMin. creditFirst-time only?
Bond Advantage Down Payment AssistanceUp to 5% of sales price, maximum $15,000Repayable second mortgage620See program
MBOH Plus 0% Deferred Down Payment AssistanceUp to 5% of sales price, maximum $15,000Deferred-payment loan620See program

How do I apply for Montana down payment assistance?

  1. Find a participating lender approved by Montana Board of Housing.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Montana

BillingsMissoulaGreat FallsBozemanButteHelenaKalispellBelgrade

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Bond Advantage Down Payment Assistance: Up to 5% of sales price, maximum $15,000; MBOH Plus 0% Deferred Down Payment Assistance: Up to 5% of sales price, maximum $15,000.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

Published minimums range from 620 to 620 among the programs we verified.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.