What is Montana Board of Housing (MBOH)?

MBOH at housing.mt.gov provides the Montana Housing Single Family Mortgage program with DPA for qualifying Montana buyers.

How competitive is Bozeman's housing market?

Bozeman has seen exceptional price appreciation driven by remote-work migration. It is a highly competitive market with limited inventory and prices that often exceed MBOH program caps.

Does Montana have DPA for first-time buyers?

Yes — MBOH Plus provides a 0% second loan for down payment and closing costs alongside an MBOH first mortgage. Income and purchase-price limits apply.

Are USDA loans available in Montana?

Yes — many rural Montana communities are eligible for USDA Rural Development loans with 100% financing.

Where can I find a HUD counselor in Montana?

HUD lists approved housing counselors at hud.gov/states/montana.

Mortgages in Montana

Montana's housing market has seen dramatic price appreciation — particularly Bozeman, Missoula, and Whitefish — driven by remote-work and outdoor-recreation migration. Billings and Great Falls offer more affordable markets. Rural Montana remains accessible.

More Montana guides

Personal Loans in Montana Auto Insurance in Montana Homeowners Insurance in Montana Renters Insurance in Montana Auto Loans in Montana Student Loans in Montana Life Insurance in Montana High-Yield Savings in Montana

Mortgages by state

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