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Buying a home in Havre, MT

Quick answer

To buy a home in Havre, MT, start by getting pre-approved, then compare FHA (3.5% down), conventional (3% down), VA and USDA options and check whether you qualify for Montana Housing down payment assistance. Loan limits, property taxes (about 0.75% statewide) and local prices shape your monthly payment.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Havre offers buyers a smaller-city feel within Montana, and prices can differ noticeably from the state's largest metros. Statewide prices sit near the national middle, so down payment assistance can make a real difference.

Is there down payment assistance in Havre?

What mortgage options do Havre buyers have?

  • Conventional Loan — Not government-backed; as little as 3% down for first-time buyers, PMI removable at 20% equity.
  • FHA Loan — Government-insured; 3.5% down with a 580 credit score and flexible debt-to-income rules.
  • VA Loan — For eligible veterans, service members and surviving spouses: 0% down and no monthly mortgage insurance.
  • USDA Loan — 0% down for moderate-income buyers in eligible rural and suburban areas.
  • Jumbo Loan — For loan amounts above the conforming limit; usually 10–20% down and 700+ credit.
  • First-Time Home Buyer Loans — Low-down-payment loans plus state assistance programs designed for first-time buyers.
  • Self-Employed Mortgage — Options for business owners and 1099 earners, including tax-return and bank-statement loans.
  • DSCR Purchase Loan — Investment-property loans qualified on the rental income of the property, not personal income.
  • New Construction Home Loans — Financing for a newly built home from a builder, or for building your own with a construction-to-permanent loan.

How much will I pay in property taxes in Havre?

Homeowners in Montana pay a median of $2,535 a year in property taxes — an effective rate of about 0.75% of the median home value, close to the national average (Census ACS). Actual rates vary by county and municipality. Ask your agent for the specific property's tax history.

Nearby cities in Montana

BillingsMissoulaGreat FallsBozemanButteHelenaKalispellBelgrade

Havre home buying FAQs

We've verified 2 applicable city, county and statewide programs for Havre buyers, ordered by scope on this page with official links and verified dates. Confirm each program's borrower and property requirements.

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.