Montana Housing Home Improvement Loan

Montana Housing (MHFA)

Available Home Repair

About This Program

Provides below-market rate loans for home improvements, repairs, or additions to Montana homeowners. Can be combined with first mortgage or taken as standalone loan for existing homeowners.

Loan amount based on home equity and improvement scope

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Below-market rate loan up to $75,000
  • For improvements, repairs, or additions
  • Income limits apply (typically 100-140% AMI)
  • Can combine with purchase loan or standalone
  • Must meet Montana Housing guidelines

How to Apply

A grant-savvy contractor in Hamilton, MT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Hamilton early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Ongoing program

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Hamilton, MT

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs